11/03/2026
🌺 HAWAII vs. WASHINGTON 🏡 Who has better down payment assistance for first-time homebuyers?
You might be surprised at what’s available! 👀
Here in Hawaii, programs like Hale Kamaʻāina and assistance through the Hawaii HomeOwnership Center can help qualified buyers make homeownership more affordable.
🌲 In Washington State, the opportunities are pretty exciting too!
✅ Home Advantage — Down payment assistance options of 3%, 4%, or 5% of the first mortgage.
✅ Covenant Homeownership Program — Up to $150,000 in assistance, plus eligible closing costs, for qualifying buyers.
✅ Seattle Down Payment Assistance — Up to $76,000 for eligible homebuyers.
💡 Here’s the takeaway: You don’t necessarily need 20% down to buy a home!
Whether you’re staying in the islands or making the move to the Pacific Northwest, understanding your financing options can make all the difference.
And remember, most down payment assistance programs are loans, not free grants. Income limits, eligibility requirements, and funding availability apply.
🌺 Born and raised in Hawaii, now helping families build wealth through homeownership in Washington for over 30 years!
📲 Thinking about buying a home in Washington? Let’s talk about what programs you may qualify for. I offer free homebuyer consultations!
👇 Tell me in the comments: Would you rather own a home in Hawaii 🌺 or Washington 🌲?
Ben Comilang | Mortgage Advisor
NMLS #487432
Local Roots. Lifelong Guidance.
