Washington State Housing Finance Commission (WSHFC

The WSHFC offers several programs aimed at making the dream of homeownership a reality. Visit the WSHFC home page for details, and a list of program lenders.

House Key State Bond Loan Program

This is a first-mortgage loan program providing below-market interest rates to first-time homebuyers qualifying on the basis of household income. Visit the WSHFC's House Key State Bond Loan Program site for details about the program.

House Key Opportunity


This is a down payment assistance second-mortgage program for qualified borrowers. In Kitsap County, funds up to $5,000 are loaned at 5% interest rate for a term of 10 years. Visit the WSHFC's House Key Opportunity Program site for details about the program.

Home Choice


This is a down payment assistance second mortgage program for qualified borrowers who have a disability or a family member with a disability living with them. Funds up to $15,000 are loaned at 1% interest, payment deferredOne-on-1 counseling is required. Visit the WSHFC's Home Choice Program site for details about the program.

House Key Veterans


This is a down payment assistance second-mortgage program for qualified Veterans who have honorably served our country. Funds up to $10,000 are loaned at a 3% interest rate for a term of 10 years. Visit the WSHFC's House Key Veterans site for details about the program.