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ARCH East King County DPA

Washington route through Washington State Housing Finance Commission / ARCH. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred second mortgage Deferred due on exit 2026-04-19
Agency Washington State Housing Finance Commission / ARCH
Support type Deferred second mortgage
Amount highlight Up to $30,000 in downpayment assistance at 4% simple interest for purchases in eligible ARCH member jurisdictions of East King County.
Last verified 2026-04-19

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Amount

Up to $30,000 in downpayment assistance at 4% simple interest for purchases in eligible ARCH member jurisdictions of East King County.

Type

Deferred second mortgage

Repayment

No monthly payments are required. The balance becomes due when the borrower sells, refinances, or transfers the property, stops using it as a principal residence, or pays off the home on or before 30 years.

First-time buyer

Not required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Homebuyers purchasing in eligible ARCH member cities of East King County, Repeat buyers because the official page says there is no need to be a first-time homebuyer, Households within the published income limits by household size

What support do you get?

Up to $30,000 in downpayment assistance at 4% simple interest for purchases in eligible ARCH member jurisdictions of East King County.

Do you repay it?

No monthly payments are required. The balance becomes due when the borrower sells, refinances, or transfers the property, stops using it as a principal residence, or pays off the home on or before 30 years.

How do you apply?

Work with a Commission-trained lender, pair the assistance with a Home Advantage or House Key Opportunity first mortgage, complete the required homebuyer education class and one-on-one counseling session, and buy within an eligible ARCH member area.

Application timing

ARCH DPA follows WSHFC Home Advantage reservation rules: funds may be reserved first-come, first-served after a fully executed purchase agreement, Commission homebuyer education, lender application, and apparent compliance; Home Advantage loans must be purchased by Day 60 or extension fees apply.

Official source evidence

The official Here to Home ARCH page says the program serves homebuyers in listed East King County member cities, offers up to $30,000 at 4% simple interest, does not require first-time buyer status, and requires a paired Commission first mortgage plus counseling and homebuyer education.

View official source

Last verified

2026-04-19

Effective date not captured.

Paid preview

What paid access adds for ARCH East King County DPA

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Comparison preview

ARCH East King County DPA

Amount: Up to $30,000 in downpayment assistance at 4% simple interest for purchases in eligible ARCH member jurisdictions of East King County.

Repayment: No monthly payments are required. The balance becomes due when the borrower sells, refinances, or transfers the property, stops using it as a principal residence, or pays off the home on or before 30 years.

First-time buyer: Not required

Timing: ARCH DPA follows WSHFC Home Advantage reservation rules: funds may be reserved first-come, first-served after a fully executed purchase agreement, Commission homebuyer education, lender application, and apparent compliance; Home Advantage loans must be purchased by Day 60 or extension fees apply.

Risk checks preview

What gets flagged before you call a lender

  • ARCH East King County DPA can trigger repayment on sale or refinance.
  • ARCH East King County DPA can trigger repayment if owner occupancy changes.

Lender questions preview

Questions tied to this exact path

  • Which events trigger repayment for ARCH East King County DPA: refinance, transfer, non_owner_occupancy?
  • Which document version should control ARCH East King County DPA right now: program guide, fact sheet, or lender packet?

Action checklist preview

What you would do next

  • Review the official ARCH program page for ARCH East King County DPA
  • Carry the lender question kit for ARCH East King County DPA
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