First-Time Buyer Programs in Washington State
from Signed & Funded with Scott Alfano
There's real money available to first-time buyers in Washington — from the state, from counties, from cities — and most buyers never touch it because they don't know it exists. In this episode, Scott breaks down every major assistance program available in 2026, who qualifies, how much you can actually get, and how to stack programs to dramatically reduce what you bring to closing. What you'll learn: The two main WSHFC programs — Home Advantage and House Key Opportunity — and how they work Why you don't have to be low-income to qualify (income limits go up to $180,000 in some counties) Specialty programs for veterans, buyers with disabilities, and historically excluded communities How local programs in Seattle, King County, and Clark County can add $40,000–$60,000+ on top of state assistance What a Mortgage Credit Certificate is and why it can be worth tens of thousands over the life of your loan The one thing you have to do before you can access any of these programs Next episode: Making an Offer That Actually Wins in Seattle Follow the show on Instagram: @SignedandFunded
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