Washington program
Washington route through Washington State Housing Finance Commission. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Decision-ready public facts
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Up to $40,000 in downpayment assistance at 3% simple interest for purchases inside the city limits of Bellingham.
Deferred second mortgage
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 when the home is paid off on or before 30 years.
Required
Program guide
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First-time homebuyers only, Households buying inside the city limits of Bellingham, Households within the published income limits by household size
Up to $40,000 in downpayment assistance at 3% simple interest for purchases inside the city limits of Bellingham.
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 when the home is paid off on or before 30 years.
Use a Commission-trained lender, pair the assistance with a Home Advantage or House Key Opportunity first mortgage, complete the required Commission homebuyer class and one-on-one counseling session, and buy a qualifying home inside Bellingham city limits.
The official Here to Home Bellingham section says the program offers up to $40,000 at 3% simple interest, only for first-time buyers purchasing in Bellingham city limits, with no monthly payments and repayment triggered by sale, refinance, transfer, loss of owner occupancy, or payoff.
2026-04-19
Effective date not captured.
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Comparison preview
Amount: Up to $40,000 in downpayment assistance at 3% simple interest for purchases inside the city limits of Bellingham.
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 when the home is paid off on or before 30 years.
First-time buyer: Required
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