{"id":1052,"date":"2024-11-22T18:23:56","date_gmt":"2024-11-23T02:23:56","guid":{"rendered":"https:\/\/www.homeownership-wa.org\/?page_id=1052"},"modified":"2026-08-09T16:40:11","modified_gmt":"2026-08-09T23:40:11","slug":"covenant-homeownership-program","status":"publish","type":"page","link":"https:\/\/www.homeownership-wa.org\/bs\/for-homebuyers\/covenant-homeownership-program\/","title":{"rendered":"Covenant Homeownership Program"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-back_color-162325-bg row-container\" id=\"row-unique-0\"><div class=\"row-background background-element\" style=\"opacity: 1;\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-overlay_color-162325-bg\" style=\"opacity: 0.65;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_center column_parent col-lg-12 double-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_center column_child col-lg-12 half-internal-gutter\"><div class=\"uncol style-spec style-dark\" ><div class=\"uncoltable\"><div class=\"uncell one-block-padding\" ><div class=\"uncont\" style=\" max-width:80%;\" ><div class=\"empty-space empty-half\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<div class=\"uncode-single-media  text-center\"><div class=\"single-wrapper\" style=\"max-width: 52%;\"><div class=\"tmb tmb-light  tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><img decoding=\"async\" class=\"wp-image-1069\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/CHAP_WHRC_logo_white.png\" width=\"1289\" height=\"202\" alt=\"\" srcset=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/CHAP_WHRC_logo_white.png 1289w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/CHAP_WHRC_logo_white-300x47.png 300w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/CHAP_WHRC_logo_white-1024x160.png 1024w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/CHAP_WHRC_logo_white-768x120.png 768w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/CHAP_WHRC_logo_white-18x3.png 18w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/CHAP_WHRC_logo_white-350x55.png 350w\" sizes=\"(max-width: 1289px) 100vw, 1289px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><div class=\"empty-space empty-double\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h1 class=\"font-635512 h2 fontspace-994669 font-weight-600\" ><span>Covenant Homeownership Program<\/span><\/h1><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><\/p>\n<h5><span class=\"TextRun MacChromeBold SCXW133359189 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW133359189 BCX0\">Sanjate li o vlastitom domu?<\/span><\/span><\/h5>\n<p><span class=\"TextRun SCXW42041702 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW42041702 BCX0\">Program Covenant Homeownership dr\u017eave Washington osigurava predujam i tro\u0161kove zatvaranja. <\/span><span class=\"NormalTextRun SCXW42041702 BCX0\">pomo\u0107<\/span><span class=\"NormalTextRun SCXW42041702 BCX0\"> za kupce prvog stana koji ispunjavaju uslove u obliku <\/span><span class=\"NormalTextRun SCXW42041702 BCX0\">0% kamata <\/span><span class=\"NormalTextRun SCXW42041702 BCX0\">loan, secondary to the primary mortgage loan.&nbsp;It is paid back on the sale or refinancing of the home.<\/span><span class=\"NormalTextRun SCXW42041702 BCX0\"> Oprost mo\u017ee biti dostupan nakon 5 godina za doma\u0107instva koja ispunjavaju uslove.<\/span><\/span><span class=\"EOP SCXW42041702 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">&nbsp;<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row inverted-device-order style-color-ffffff-bg row-internal row-container\"><div class=\"row unequal col-no-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell single-block-padding\" ><div class=\"uncont\" style=\" max-width:85%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h4\" ><span>Ko ima pravo na ovaj program?<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>Eligibility is based on the mandates of the Covenant Homeownership Act and the recommendations of the Covenant Homeownership Program Study. Please see <a href=\"http:\/\/HeretoHome.org\/Covenant\">HeretoHome.org\/Covenant<\/a> or call <a href=\"tel:877-894-4663\">877-894-4663<\/a> for detailed eligibility information.<\/p>\n<p>You may be eligible if:<\/p>\n<ul type=\"disc\">\n<li>Vi ili roditelj\/baka i djed ste \u017eivjeli u dr\u017eavi Washington prije 1968<\/li>\n<\/ul>\n<ul type=\"disc\">\n<li>The pre-1968 resident is Black, Hispanic, Indigenous, Native Hawaiian\/Pacific Islander or part of another racial group identified in the Covenant study<\/li>\n<li>You and your spouse or co-buyer are first-time homebuyers (as defined in the Covenant Homeownership Act)<\/li>\n<li>You meet income limits for your county (see <a href=\"http:\/\/HeretoHome.org\/Covenant\">HeretoHome.org\/Covenant<\/a>)<\/li>\n<\/ul>\n<p>\n<\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h4\" ><span>What does the Covenant program offer?<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>The program helps homebuyers by offering downpayment assistance loans of up to $150,000 at 0% interest. Homebuyers who are at lower income levels could also be eligible for loan forgiveness after owning their home for five years. See <a href=\"http:\/\/HeretoHome.org\/Covenant\">HeretoHome.org\/Covenant<\/a> for more details.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-center\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 177.8%;\"><\/div><img decoding=\"async\" class=\"wp-image-1022\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1385031185_sm-uai-541x962.jpg\" width=\"541\" height=\"962\" alt=\"A young girl smiling with her grandparents\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h4\" ><span>Otkrijte utjecaj programa Covenant Homeownership<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"h3 fluid-object\" style=\"padding-top: 56.25%\"><iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/sBD-tQikfKo?si=lUxFoRsiJ-MKfXr6\" title=\"YouTube video plejer\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-165755-bg row-container\" id=\"row-unique-2\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2023\/08\/WHRC_Seamless_FPO_white.png);background-repeat: no-repeat;background-position: center center;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-165755-bg\" style=\"opacity: 0.95;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row single-top-padding single-bottom-padding double-h-padding full-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-6 half-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell one-block-padding\" ><div class=\"uncont\" style=\" max-width:70%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"font-635512 h5 fontspace-177060 font-weight-600 text-uppercase\" ><span>SAZNAJTE DA LI JE PROGRAM COVENANT HOMEOWNERSHING PROGRAM ZA VAS<\/span><\/h4><div><p>Koristite na\u0161 telefonski broj ili online kontakt obrazac. Besplatne usluge prevo\u0111enja su dostupne putem telefona na preko 220 jezika.<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-right align_center column_parent col-lg-3 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container btn-block\" ><a role=\"button\"  href=\"tel:877-894-4663\" class=\"custom-link btn btn-custom-typo font-635512 font-weight-600 text-uppercase fontspace-562271 border-width-0 btn-text-skin btn-color-303133 btn-block btn-icon-left\" title=\"Pozovite WHRC Hotline\"><i class=\"fa fa-phone\"><\/i>CALL 877-894-4663<\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-center align_center column_parent col-lg-3 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container btn-block\" ><a role=\"button\"  href=\"https:\/\/form.jotform.com\/243375078331154\" class=\"custom-link btn btn-custom-typo font-635512 font-weight-600 text-uppercase fontspace-562271 border-width-0 btn-text-skin btn-color-303133 btn-block btn-icon-left\" title=\"Ostavite poruku sa WHRC-om\" target=\"_blank\"><i class=\"fa fa-envelope3\"><\/i>Po\u0161aljite nam poruku<\/a><\/span><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-2\" data-row=\"script-row-unique-2\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-2\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-646393-bg row-container onepage-section\" data-label=\"info-sessions\" data-name=\"info-sessions\" id=\"row-unique-4\"><div class=\"row full-width row-parent\" data-height-ratio=\"60\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row unequal col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 66.7%;\"><\/div><img decoding=\"async\" class=\"wp-image-1023\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm.jpg\" width=\"1400\" height=\"934\" alt=\"Man sitting on the floor with his dog and laptop.\" srcset=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm.jpg 1400w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-300x200.jpg 300w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-1024x683.jpg 1024w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-768x512.jpg 768w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-18x12.jpg 18w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-350x234.jpg 350w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" style=\" max-width:80%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2\" ><span>Informacije o kupcu ku\u0107e<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>Zainteresovani ste za kupovinu ku\u0107e? Niste sigurni odakle po\u010deti? Pridru\u017eite se WHRC-u za virtuelne informacije i sesiju pitanja i odgovora u\u017eivo. Dijelimo pregled resursa dostupnih za kupce ku\u0107a u Washingtonu i kako mo\u017eete zapo\u010deti na svom putu vlasni\u0161tva nad ku\u0107om.<\/p>\n<\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/us06web.zoom.us\/meeting\/register\/tZYvcOqhqDwuH922BhT8WgY7aSoWr2cm5SeA\" class=\"custom-link btn border-width-0 btn-default btn-icon-right\" title=\"Prijavite se za info sesiju\" target=\"_blank\">REGISTRUJTE SE DANAS<i class=\"fa fa-external-link\"><\/i><\/a><\/span><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/us06web.zoom.us\/meeting\/register\/tZEud-mtqD0vGNZ0PBTpjkark4loxbRiYUKx#\/registration\" class=\"custom-link btn border-width-0 btn-default btn-outline btn-icon-right\" title=\"Prijavite se za info sesiju\" target=\"_blank\">Reg\u00edstrese Hoy<i class=\"fa fa-external-link\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-4\" data-row=\"script-row-unique-4\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-4\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-5\"><div class=\"row double-top-padding double-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"font-635512 h4 fontspace-177060 font-weight-600 text-uppercase\" ><span>\u010cesto Postavljena Pitanja<\/span><\/h2><div><p>Kliknite na svako pitanje da biste saznali vi\u0161e.<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode-accordion wpb_accordion wpb_content_element  sign-size-rg w-border\" data-collapsible=\"no\" data-target=\"\" data-active-tab=\"0\" >\n\t\t<div class=\"panel-group wpb_wrapper wpb_accordion_wrapper\" id=\"accordion_868894567\" data-no-toggle=\"\">\n\n<div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_868894567\" href=\"#1733254984681-6-4\"><span>Za\u0161to je program kreiran?<\/span><\/a><\/p><\/div><div id=\"1733254984681-6-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span class=\"TextRun SCXW7336226 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW7336226 BCX0\">U prolje\u0107e 2023. godine, zakonodavna skup\u0161tina dr\u017eave Washington usvojila je Zakon o vlasni\u0161tvu nad nekretninama uz dvostrana\u010dku podr\u0161ku. Zakon stvara novi program i izvor finansiranja za pomo\u0107 ljudima koji su bili... <\/span><span class=\"NormalTextRun SCXW7336226 BCX0\">pogo\u0111en<\/span><span class=\"NormalTextRun SCXW7336226 BCX0\"> zbog historije diskriminacije u stanovanju u Washingtonu <\/span><span class=\"NormalTextRun SCXW7336226 BCX0\">postati<\/span><span class=\"NormalTextRun SCXW7336226 BCX0\"> vlasnici ku\u0107a.<\/span><\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_868894567\" href=\"#1611414367345-3-41732328778423\"><span>Ko ima pravo na ovaj program?<\/span><\/a><\/p><\/div><div id=\"1611414367345-3-41732328778423\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Eligibility is based on the mandates of the Covenant Homeownership Act and the recommendations of the Covenant Homeownership Program Study. Please see <a href=\"http:\/\/HeretoHome.org\/Covenant\">HeretoHome.org\/Covenant<\/a> or call <a href=\"tel:877-894-4663\">877-894-4663<\/a> for detailed eligibility information.<\/p>\n<p>You may be eligible if:<\/p>\n<ul type=\"disc\">\n<li>Vi ili roditelj\/baka i djed ste \u017eivjeli u dr\u017eavi Washington prije 1968<\/li>\n<\/ul>\n<ul type=\"disc\">\n<li>The pre-1968 resident is Black, Hispanic, Indigenous, Native Hawaiian\/Pacific Islander or part of another racial group identified in the Covenant study<\/li>\n<li>You and your spouse are first-time homebuyers (as defined in the Covenant Homeownership Act)<\/li>\n<li>You meet income limits for your county (see <a href=\"http:\/\/HeretoHome.org\/Covenant\">HeretoHome.org\/Covenant<\/a>)<\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_868894567\" href=\"#1776217444141-12-2\"><span>Has the Covenant Homeownership Program stopped?<\/span><\/a><\/p><\/div><div id=\"1776217444141-12-2\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>No. The Covenant program and its funding are fine. Funds continue to come in each month. The program\u2019s funding is constantly replenished from document recording fees.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_868894567\" href=\"#1776217591504-13-0\"><span>Have the steps to use the Covenant program changed?<\/span><\/a><\/p><\/div><div id=\"1776217591504-13-0\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>The steps to use the Covenant program will be the same, but starting April 20, 2026, most of the steps must now be taken up front before house-hunting. Homebuyers and lenders will need to plan ahead and get all documentation accepted at the beginning. Homebuyers and lenders will then get written authorization from the Commission when they are cleared to house-hunt and go under contract for a home.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_868894567\" href=\"#1776217624954-14-8\"><span>Why has the process changed?<\/span><\/a><\/p><\/div><div id=\"1776217624954-14-8\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Monthly demand for Covenant loans is now outpacing the monthly supply of funds, so a fair and orderly process is needed to put fully prepared homebuyers \u201cin line\u201d for funds when they become available. This process ensures that all homebuyers are completely ready to close before they search for a home and that the Covenant funds are ready for them when needed. Every Covenant homebuyer can proceed from house-hunting to closing with confidence.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_868894567\" href=\"#1732330331069-8-1\"><span>Ko se kvalifikuje kao prvi kupac ku\u0107e?<\/span><\/a><\/p><\/div><div id=\"1732330331069-8-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>The Covenant Homeownership Act defines \u201cfirst-time homebuyer\u201d broadly. <span data-olk-copy-source=\"MessageBody\">You may be eligible if the following is true for both you and your spouse (if married). Detailed eligibility criteria can be found at\u00a0<a title=\"https:\/\/heretohome.org\/covenant\/\" href=\"https:\/\/heretohome.org\/covenant\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\" data-linkindex=\"0\">heretohome.org\/covenant.<\/a><\/span><\/p>\n<ul>\n<li>Niste posjedovali ku\u0107u u posljednje tri godine<\/li>\n<li>Vi ste samohrani roditelj koji je posjedovao samo ku\u0107u dok je bio u braku s biv\u0161im supru\u017enikom.<\/li>\n<li>Vi ste raseljena doma\u0107ica i posjedovali ste ku\u0107u samo sa supru\u017enikom.<\/li>\n<li>Posjedovali ste samo rezidenciju koja nije imala trajnu osnovu (kao \u0161to je proizvedena ku\u0107a)<\/li>\n<li>Posjedovali ste samo posjed za koji je utvr\u0111eno da nije pogodno za stanovanje.<\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_868894567\" href=\"#1732329990368-5-10\"><span>What is the income limit in my area?<\/span><\/a><\/p><\/div><div id=\"1732329990368-5-10\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Income limits for the Covenant program are based on 120% of the Area Median Income in the county where the home is to be purchased. You can find specific income limits at <a href=\"http:\/\/Heretohome.org\/covenant\">Heretohome.org\/covenant<\/a>.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_868894567\" href=\"#1732330437923-10-8\"><span>Koja mi je vrsta dokumentacije o prebivali\u0161tu i rasi\/etni\u010dkoj pripadnosti potrebna?<\/span><\/a><\/p><\/div><div id=\"1732330437923-10-8\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Komisija namjerava da bude \u0161to fleksibilnija u prihvatanju dokumentacije o rasi i boravku prije 1968. godine u Washingtonu. Opet, kupac ku\u0107e mora dostaviti ovu dokumentaciju<strong> za osobu koja je \u017eivjela u Washingtonu prije 1968<\/strong>\u2014da li je ta osoba sam kupac ku\u0107e ili njihov roditelj\/djed\/prabaka ili pradjed.<\/p>\n<p>Neki primjeri prihvatljivih dokumenata uklju\u010duju:<\/p>\n<p>\u2022 Izvod iz mati\u010dne knjige ro\u0111enih i umrlih<br \/>\n\u2022 \u0160kolska evidencija<br \/>\n\u2022 Izvod iz mati\u010dne knjige umrlih<br \/>\n\u2022 Crkveni zapisi<br \/>\n\u2022 Ostavinska evidencija<br \/>\n\u2022 Isje\u010dci iz novina<br \/>\n\u2022 Izvod iz mati\u010dne knjige vjen\u010danih<br \/>\n\u2022 Evidencija poslodavca<br \/>\n\u2022 Vojna evidencija<br \/>\n\u2022 Genealo\u0161ki zapisi iz pouzdanih izvora<br \/>\n\u2022 Evidencija o plemenskom \u010dlanstvu<br \/>\n\u2022 Radna kartica<br \/>\n\u2022 Zahtjevi za socijalno osiguranje i zahtjevi<br \/>\n\u2022 Dozvola za skriveno oru\u017eje dr\u017eave WA<br \/>\n\u2022 Podaci popisa<br \/>\n\u2022 \u010citulje<br \/>\n\u2022 Istorijska dru\u0161tva<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_868894567\" href=\"#1732330511564-11-6\"><span>Gdje mogu prona\u0107i ovu dokumentaciju?<\/span><\/a><\/p><\/div><div id=\"1732330511564-11-6\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Va\u0161 zajmodavac i\/ili stambeni savjetnik \u0107e vam pomo\u0107i da prikupite dokumente. Neki dobri izvori uklju\u010duju sljede\u0107e. Komisija \u0107e nastaviti da dodaje resurse ovom dijelu.<\/p>\n<ul>\n<li><a href=\"https:\/\/doh.wa.gov\/licenses-permits-and-certificates\/vital-records\">Odjel za mati\u010dne knjige dr\u017eavnog Ministarstva zdravlja<\/a><\/li>\n<li><a href=\"https:\/\/apps.sos.wa.gov\/legacy\/genealogy.aspx\">Naslije\u0111e Washington<\/a><\/li>\n<li><a href=\"https:\/\/www.familysearch.org\/en\/united-states\/\">FamilySearch.org<\/a>: Kreirajte besplatni nalog za pretra\u017eivanje porodi\u010dnih zapisa.<\/li>\n<li><a href=\"https:\/\/www.ancestry.com\/\">Ancestry.com<\/a>: Ovo je usluga koja se pla\u0107a, ali \u010desto mo\u017eete besplatno pristupiti Ancestry.com iz va\u0161e lokalne biblioteke.<\/li>\n<li><a href=\"https:\/\/www.newspapers.com\/\">Newspapers.com<\/a><\/li>\n<li><a href=\"https:\/\/www.myheritage.com\/\">MyHeritage.com<\/a><\/li>\n<li>Javne biblioteke:\n<ul>\n<li><a href=\"https:\/\/librarytechnology.org\/libraries\/public.pl?State=Washington\">Ovdje prona\u0111ite svoju lokalnu biblioteku.<\/a><\/li>\n<li><a href=\"https:\/\/www.spl.org\/online-resources\/general-research\">Javna biblioteka u Sijetlu<\/a><\/li>\n<li><a href=\"https:\/\/kcls.org\/resources-types\/databases\/\">Istra\u017eivanje biblioteke okruga King<\/a><\/li>\n<li><a href=\"https:\/\/www.tacomalibrary.org\/resource\/\">Tacoma Public Library<\/a><\/li>\n<li><a href=\"https:\/\/www.spokanelibrary.org\/resources-genealogy\/\">Istra\u017eivanje javne biblioteke Spokane<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_868894567\" href=\"#1611414103-2-01732328778423\"><span>Kako se prijaviti za Covenant Homeownership Program?<\/span><\/a><\/p><\/div><div id=\"1611414103-2-01732328778423\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Ovom programu mo\u017eete pristupiti rade\u0107i sa a <a href=\"https:\/\/www.wshfc.org\/buyers\/premier.htm\">Zajmodavac obu\u010den za proviziju<\/a> to prequalify for a mortgage loan and establish your eligibility.<\/p>\n<div>\n<p><span data-olk-copy-source=\"MessageBody\">Starting April 20, 2026, the FIRST step is that the lender must upload all the required documentation to the Commission. This includes the lender\u2019s signed pre-approval, all the family history documentation, and the certificate(s) of homebuyer education completion.<\/span><\/div>\n<div>\n<p>Once the documents are accepted by the Commission, the homebuyer will be placed on the pre-reservation list. Then they wait for written authorization from the Commission to go house-hunting and go under contract for a home.<\/p>\n<\/div>\n<p>The Washington State Homeownership Hotline at <a href=\"tel:1-877-894-4663\">1-877-894-4663<\/a> je tako\u0111er odli\u010dan na\u010din da se jednostavno pove\u017eete s Covenant Homeownership Programom, kao i za drugu besplatnu podr\u0161ku, smjernice i finansijsku pomo\u0107.<\/p>\n<div><\/div>\n<p>Hotline \u0107e vam pomo\u0107i da do\u0111ete do sljede\u0107eg koraka na osnovu va\u0161e situacije, ciljeva i preferencija. Ako niste sasvim spremni za hipoteku, de\u017eurna linija \u0107e vas povezati s besplatnom podr\u0161kom i smjernicama kako biste krenuli na put do svog cilja, bez obzira gdje se danas nalazite.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_868894567\" href=\"#1778708878661-10-8\"><span>What is loan forgiveness and who is eligible?<\/span><\/a><\/p><\/div><div id=\"1778708878661-10-8\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><span data-olk-copy-source=\"MessageBody\">A 2025 amendment to the Covenant Homeownership Act allows Covenant downpayment assistance loans to be forgiven after five years in certain circumstances.\u00a0The forgiveness applies only to the downpayment assistance loan, not to the main\u00a0mortgage on the property.\u00a0<\/span><\/p>\n<p>Only homebuyers who earned under 80% of Area Median Income at the time they bought their home are eligible for loan forgiveness. Various restrictions apply; see <a title=\"http:\/\/www.heretohome.org\/covenant\" href=\"http:\/\/Heretohome.org\/covenant\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\" data-linkindex=\"2\">Heretohome.org\/covenant<\/a>\u00a0for more details.<\/p>\n<\/div><\/div><\/div><\/div>\n\t\t<\/div><\/div><div class=\"empty-space empty-single\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-5\" data-row=\"script-row-unique-5\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-5\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-646393-bg row-container\" id=\"row-unique-6\"><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-center\"><div class=\"single-wrapper\" style=\"max-width: 20%;\"><a class=\"single-media-link\" href=\"https:\/\/www.wshfc.org\/covenant\/index.htm\" target=\"_blank\"><div class=\"tmb tmb-light  tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><img decoding=\"async\" class=\"wp-image-1078\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/WSHFC-w_tag_cmyk.png\" width=\"890\" height=\"401\" alt=\"\" srcset=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/WSHFC-w_tag_cmyk.png 890w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/WSHFC-w_tag_cmyk-300x135.png 300w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/WSHFC-w_tag_cmyk-768x346.png 768w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/WSHFC-w_tag_cmyk-18x8.png 18w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/12\/WSHFC-w_tag_cmyk-350x158.png 350w\" sizes=\"(max-width: 890px) 100vw, 890px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/a><\/div><\/div><div class=\"uncode_text_column\" ><\/p>\n<p style=\"text-align: center;\">U partnerstvu sa Komisijom za stambeno finansiranje dr\u017eave Washington, posjet <a href=\"https:\/\/heretohome.org\/covenant\/\">heretohome.org\/covenant<\/a> za vi\u0161e informacija o Covenant Homeownership Programu, Covenant Homeownership Act, Covenant Homeownership Studiji i drugim resursima.<\/p>\n<p style=\"text-align: center;\">The information provided on this website is for general information only.\u00a0 All Covenant Homeownership Program eligibility is solely determined by the Washington State Housing Finance Commission and must be confirmed by the homebuyer\u2019s lender with the Commission directly. Washington Homeownership Resource Center (WHRC) is not an employee, contractor or agent of the Commission and is not authorized to approve, determine, or guarantee eligibility for the Covenant Homeownership Program.<\/p>\n<p>\n<\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-6\" data-row=\"script-row-unique-6\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-6\"));<\/script><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Covenant Homeownership ProgramAre you dreaming of owning a home? Washington state\u2019s Covenant Homeownership Program provides down payment and closing cost [...]","protected":false},"author":5,"featured_media":0,"parent":85,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-1052","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Covenant Homeownership Program - Washington Homeownership Resource Center<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homeownership-wa.org\/bs\/for-homebuyers\/covenant-homeownership-program\/\" \/>\n<meta property=\"og:locale\" content=\"bs_BA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Covenant Homeownership Program - 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