Down Payment Assistance

Buying a home can be within reach even if saving for the down payment and closing costs has been difficult.

Habitat for Humanity of Greater Moses Lake's Down Payment Assistance Program helps eligible first-time homebuyers with financial assistance toward a down payment and closing costs when purchasing a primary residence in Grant County.

The program is offered in partnership with local lenders and the Washington State Department of Commerce.

Requirements After Approval

Approved homeowners must:

  • Attend an annual counseling session with an approved housing counselor

  • Complete a pre-foreclosure prevention course if the loan becomes delinquent

2026 Grant County Income Limits

Program eligibility is based in part on household income and household size.

2026 Grant County Median Income: $78,000

Contact our team if you are unsure how the income limits apply to your household.

How Repayment Works

Down Payment Assistance is provided as a deferred loan at 1% interest.

There are no monthly payments while the home continues to be your primary residence.

Repayment is triggered if you:

  • Sell the home

  • Move out of the home or it is no longer your primary residence

  • Pay off or refinance your first mortgage

Loan term: Please contact Habitat for Humanity of Greater Moses Lake for current program terms.

Who Qualifies

Applicants must meet program requirements, including:

  • Be a first-time homebuyer

  • Purchase a property located in Grant County

  • Use the property as their primary residence

  • Meet applicable household income limits

  • Be able to contribute 3% toward the purchase

  • Complete a First-Time Homebuyer Education Class

  • Complete two housing counseling sessions with a certified housing counselor

  • Have a housing debt-to-income ratio below 38%

  • Have a total debt-to-income ratio below 45%

  • Qualify for a primary mortgage

Gift funds may be used toward the required 3% contribution.

Meeting these requirements does not guarantee approval. Final eligibility is determined through the application and review process.

How the Program Works

  • 1. Get Pre-Approved

    Start by getting pre-approved for a mortgage. You may work with one of the preferred lenders listed below.

  • 2. Complete Your Application

    Complete the Habitat Homeownership Application and gather the required supporting documents.

  • 3. Submit Your Documents

    Schedule a meeting with Habitat for Humanity of Greater Moses Lake to submit your documents and review the next steps.

  • 4. Receive Your Pre-Approval Amount

    Eligible applicants will be notified of the amount of down payment assistance available to them.

  • 5. Funds Are Provided at Closing

    Approved funds are distributed at closing and may be applied toward the down payment or eligible closing costs.

Common Questions

  • Yes. Funds distributed at closing can be applied toward the down payment or closing costs.

  • Yes. Gift funds are allowed toward the required 3% of the purchase price.

  • No. The program does not allow cash-back options at closing.

  • Yes. The program can be used for eligible new-construction homes.

    Because new construction can take longer to complete and close, homebuyers are encouraged to begin the pre-approval process early. This allows Habitat and your lender to prepare for closing when the home is ready.

  • Certain mobile homes may be eligible. Contact us to discuss the property before applying.

Preparing for homeownership? Our classes and information sessions cover budgeting, financing, and what to expect as a homeowner.

Let's Talk

Whether you're ready to apply or just starting to wonder if homeownership is possible for you, we're glad to answer your questions.

Call us at (509) 765-4030

102 E. 3rd Ave, Suite 107

Moses Lake, WA 98837

Office visits are by appointment only. Please call or email before stopping by.

Contact Us