02/23/2026
✨ Washington State Covenant Homeownership Program ✨
If you (or your parents, grandparents, or great-grandparents) lived in Washington before 1968, you may qualify for significant downpayment assistance through this powerful program.
Here’s what you should know:
✔ First-time homebuyer (no homeownership in the last 3 years)
✔ Household income at or below 120% of Area Median Income (as an example Snohomish County 120% income is $188,500
✔ Up to 20% of the purchase price (max $150,000) + closing costs
✔ 0% interest second mortgage
✔ Possible loan forgiveness after 5 years for qualifying households under 80% AMI
This is a Special Purpose Credit Program designed to help close homeownership gaps created by past discriminatory housing practices.
As a Washington State Housing Finance Commission–trained lender, I am certified to help you navigate eligibility, documentation, and structuring this program correctly.
If you think you might qualify — or want to check — message me directly. I’d love to help you explore your options.
📍 Washington State only
📩 DM me “COVENANT” to start the conversation
