About This Washington Down Payment Assistance Site
Straight, current information on WSHFC, from a lender who originates these loans directly, not a lead broker.
Why this site exists
Search "down payment assistance in Washington" and you will hit pages that miss the biggest programs entirely, the up-to-$60,000 Clark County money, Seattle’s $55,000, the $150,000 Covenant program. We keep this site current to the actual WSHFC menu, the local programs, the statewide Home Advantage DPA, and the special routes, and we confirm the current amounts and boundaries directly with WSHFC rather than quote a stale figure. When a program is not the right fit, we say so.
What we do
- Originate WSHFC loans directly, Home Advantage and House Key, with the local and statewide DPAs, on FHA, VA, USDA, and conventional.
- Map the strongest legal stack, which local program, which statewide DPA, and what combines.
- Serve Washington statewide, Seattle, Tacoma, Vancouver, Spokane, Bellingham, Everett, and every county.
- Give honest tradeoff advice, including when a different program leaves you in a better spot.
Who you work with
Mike Certo is a branch manager and licensed mortgage loan officer with Cornerstone First Mortgage (NMLS #260555; company NMLS #173855). He is an approved participating lender for WSHFC and closes these loans across the state. This site is an educational resource, not the program administrator; the programs are run by the Washington State Housing Finance Commission (WSHFC).
Have a question? Talk to Mike
Tell us your county, credit range, and price target, and we’ll map your Washington path in a no-pressure 20-minute call. No obligation.