Assist households with the challenges of buying and keeping a home. Offers pre-purchase counseling and education and a down payment assistance loan program.

Provides education, information, and referral on housing issues, along with financial assistance for homebuyers and homeowners. Services include homebuyer education classes and workshops, financial education, pre- and post-purchase counseling, foreclosure counseling, down payment assistance, renter information, and guidance on maintaining and repairing a home, including home repair loans. Classes are held monthly at Columbia Gorge Community College in Hood River and The Dalles. The program also keeps the public informed about housing trends in the Mid-Columbia region using current statistics.

Provides grants of up to $70,465 to qualified veterans with severe service-related disabilities so that they may purchase or modify a home to accommodate their particular disabilities.

Provides affordable rental-housing program for eligible low-income families, the elderly, and persons with disabilities.  Also offers sweat-equity, home ownership down payment grants, financial independence programs, and deposit assistance.

Provides information/referral services for individuals with developmental disabilities and their families. Helps families and their family members who experience a developmental disability understand and access services they are eligible to receive from DDA. Publishes a quarterly newsletter and online Resource Guide. Hosts informational meetings with guest speakers on areas of interest. Offers a Homeownership Program with down payment assistance for first-time homebuyers who have a developmental disability or whose household includes a family member with a developmental disability.

Offers a program intended for people who are buying a home within the eligible Tacoma City Limits. The program allows up to $80,000 in down payment assistance with payments deferred for 30 years at a 0% simple interest rate. There are no monthly payments on the loan. The balance is due and payable when a person: - sells, refinances or transfers ownership of the home - fails to maintain status as a principal place of residence - when the home is paid off (on or before 30 years) Funds may be used for down payment and closing costs based upon need. The minimum contribution to the down payment is $1000. Gift funds are allowed to meet the minimum contribution.

Assist households with the challenges of buying and keeping a home. Offers pre-purchase counseling and education and a down payment assistance loan program.

Provides low-income first-time homebuyers the chance to own their own home at an affordable cost. We offer two self-help (sweat equity) models to help low-income families fulfill their dream of owning their own home. This program offers families a way to purchase their own home by providing some of the sweat equity to reduce the cost of the home. We offer two different pathways to homeownership: Mutual Self-Help and Individual Self-Help. The Mutual Self-Help program requires that families sign a group labor agreement to contribute at least 30 hours per week of sweat equity and to work together with other families in the group (typically 6-10 families) to complete their homes as well. CCHS provides the technical assistance to teach families how to build their own home. This program builds community while also building homes. The contribution of sweat equity substantially lowers the cost to build a home and helps families build assets. Individual Self-Help program requires families contribute 250 hours of sweat equity in exchange for credit at closing which is intended to cover closing costs for the purchase of the home. Mortgage financing through the program may be through a combination of first-time homebuyer loan products and down payment assistance to families. Our Homeownership program works seamlessly with our Housing Counseling program to help families interested in homeownership to become pre-qualified first-time homebuyers for loan. The program helps educate families in all aspects of process including such as credit repair, financial literacy, budgeting, mortgage affordability, and home maintenance.

We provide down payment financing with favorable terms to qualified buyers, providing our homeowners with the ability to select a home from our floor plans which meets their needs. Our down payment assistance ensures our homeowners will not pay monthly mortgage insurance, keeping payments more affordable.

Provides loans for home improvement, rental housing, and home ownership to low-income eligible home owners in the following cities: Grandview, Harrah, Mabton, Toppenish, Sunnyside, Union Gap, Wapato, and Zillah. Anyone living in incorporated Yakima County (outside of Yakima City limits) can call to apply. - Rehabilitation Loan: for low- to moderate-income homeowners that need home improvement. County will do an inspection in the home to determine what repairs it needs to keep it at housing market to keep home owner living in the home. - Rental housing: Expands the supply of affordable rental housing available to extremely low-to very low-income home renters. Explores the feasibility, options, and select a model to pilot to provide landlord rental rehabilitation for very low to moderate-income rental households in Year 5. - Home ownership: Provides assistance to developers, sponsors, or owners to assist extremely low- to very-income households that are prepared to become home owners.

Offers education workshops on home ownership strategies for people purchasing a home.   Also provides purchase assistance to future homebuyers. Interpreter services may be available for counseling appointments upon request.

Offers down payment assistance loans to area residents trying to purchase a house. This loan can be done in coordination with most lenders and allows the borrower to qualify for a home in a higher price range. The loan is paid off when the house is sold or refinanced in the future. Provides counseling through the homebuying process, from preparing a budget to financing or refinancing a home loan. Helps with budgeting, financial review, and lender negotiation to help keep homeowners from defaulting on their mortgage.

Provides affordable home ownership opportunities for home buyers with low to moderate incomes. Types of properties that are eligible include condos, single family homes, new construction, and remodeled homes. Works with community partners, lenders, builders, and others; prepares families and individuals for home ownership; helps households purchase existing homes at affordable rates; builds new affordable homes; offers homeowners tools to be successful; and helps manage the buying and selling of affordable homes.

Provides home ownership services to help people better afford and keep a home of their own. Program offers homebuyer counseling and down payment assistance to people with disabilities. Also offers foreclosure prevention counseling to struggling homeowners with or without disabilities. Counselors look over the documents, help the homeowners understand their options and talk to the lenders to try and work out payment arrangements.

Offers a path to homeownership for islanders who are priced out of the real estate market. Homeowners using a community land trust purchase the building and sign a 99-year lease to the land. Homes appreciate modestly according to a resale formula. The formula allows homeowners to earn a reasonable amount of money on their house when they decide to sell, and it keeps the price affordable so another family can buy the same home at an affordable price in the future. Provides housing counseling, budgeting and financial management counseling, and default counseling to all applicants and homeowners.

Provides several affordable mortgage programs for eligible homebuyers throughout Washington state.   Programs offer low down payments, fixed low-interest rate loans, and in some cases down payment assistance and second mortgages.

We provide down payment financing with favorable terms to qualified buyers, providing our homeowners with the ability to select a home from our floor plans which meets their needs. Our down payment assistance ensures our homeowners will not pay monthly mortgage insurance, keeping payments more affordable.

Provides affordable rental-housing program for eligible low-income families, the elderly, and persons with disabilities.  Also offers sweat-equity, home ownership down payment grants, financial independence programs, and deposit assistance.

Provides pre-purchase housing counseling, down payment assistance and lower purchase price for people looking to purchase a home. Potential homeowners agree to a fixed rate of equity appreciation (1.5% per year), and are not responsible for repaying the down payment assistance but are responsible for the mortgage. In exchange for the down payment assistance, homeowners agree to sell their home at an affordable price to someone else in the applicant pool. Retains ownership of the land to ensure that the house remains affordable.

Offers loans for low-income homeowners to purchase, build (including sites, water, and sewer), repair, move, or modernize their dwellings.  Includes sweat-equity construction loan programs, guaranteed loans, and rural site housing programs.   Rural Housing Guaranteed Loan Applicants for loans may have an income of up to 115% of the median income for the area. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance. In addition, applicants must have reasonable credit histories.    Rural Housing Direct Loan Section 502 loans are primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to acquire, build (including funds to purchase and prepare sites and to provide water and sewage facilities), repair, renovate or relocate a home.     Mutual Self-Help Loans The Section 502 Mutual Self-Help Housing Loan program is used primarily to help very low- and low-income households construct their own homes. The program is targeted to families who are unable to buy clean, safe housing through conventional methods. Families participating in a mutual self-help project perform approximately 65 percent of the construction labor on each other's homes under qualified supervision. The savings from the reduction in labor costs allows otherwise ineligible families to own their homes. If families cannot meet their mortgage payments during the construction phase, the funds for these payments can be included in the loan.