Bernameya Xwedîtiya Xanî ya Peymana
Ma hûn xeyal dikin ku xwediyê xaniyek bin?
Bernameya Xwedîtiya Xanî ya Peymana Dewleta Washingtonê dravdana destpêkê û lêçûna girtinê peyda dike. alîkarî ji bo kirrînerên xanî yên cara yekem ên mafdar bi şêweyê 0% faîz deyn, duyemîn ji deynê xanî yê sereke. Ew di dema firotin an jî ji nû ve fînansekirina xanî de tê vegerandin. Bexşandin dibe ku piştî 5 salan ji bo malbatên mafdar peyda bibe.
Kî mafdar e ji bo vê bernameyê?
Eligibility is based on the mandates of the Covenant Homeownership Act and the recommendations of the Covenant Homeownership Program Study. Please see HeretoHome.org/Covenant or call 877-894-4663 for detailed eligibility information.
You may be eligible if:
- Hûn an dêûbav / dapîr berî 1968-an li eyaleta Washingtonê dijîn
- The pre-1968 resident is Black, Hispanic, Indigenous, Native Hawaiian/Pacific Islander or part of another racial group identified in the Covenant study
- You and your spouse are first-time homebuyers (as defined in the Covenant Homeownership Act)
- You meet income limits for your county (see HeretoHome.org/Covenant)
What does the Covenant program offer?
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 HeretoHome.org/Covenant for more details.
Bandora Bernameya Xwedîtiya Malê ya Peymana Peymanê kifş bikin
FÊR BIKIN GELO BERNAMEYA XWEDÎ MALÊ PEYMAN JI BO WE YE
Hejmara meya Hotline an forma pêwendiya serhêl bikar bînin. Xizmetên wergêra belaş bi telefonê bi zêdetirî 220 zimanan peyda dibin.
Rûniştinên Agahdariya Xanî
Ma hûn dixwazin xaniyek bikirin? Nizanin ku ji ku derê dest pê bikin? Ji bo rûniştinek zindî, virtual û Q&A beşdarî WHRC bibin. Em çavkaniyek li ser çavkaniyên ku ji bo kirrûbirên xanî li Washington hene, û hûn çawa dikarin dest bi rêwîtiya xwedaniya xaniyê xwe bikin, parve dikin.
Pirsên Pir Pir Dipirsin
Li ser her pirsê bikirtînin ku hûn bêtir fêr bibin.
Di bihara 2023an de, Meclîsa Qanûndanînê ya Dewleta Washingtonê bi piştgiriya herdu partiyan Qanûna Xwedîtiya Xanî ya Peymana Peymanê pejirand. Ev qanûn bernameyek û çavkaniyek fînansekirinê ya nû diafirîne da ku alîkariya kesên ku ji wan re ... hatiye kirin bike. bandor lê hatiye kirin ji hêla dîroka cudakariya xanî ya Washingtonê ve bûyin xwediyên malan.
Eligibility is based on the mandates of the Covenant Homeownership Act and the recommendations of the Covenant Homeownership Program Study. Please see HeretoHome.org/Covenant or call 877-894-4663 for detailed eligibility information.
You may be eligible if:
- Hûn an dêûbav / dapîr berî 1968-an li eyaleta Washingtonê dijîn
- The pre-1968 resident is Black, Hispanic, Indigenous, Native Hawaiian/Pacific Islander or part of another racial group identified in the Covenant study
- You and your spouse are first-time homebuyers (as defined in the Covenant Homeownership Act)
- You meet income limits for your county (see HeretoHome.org/Covenant)
No. The Covenant program and its funding are fine. Funds continue to come in each month. The program’s funding is constantly replenished from document recording fees.
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.
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 “in line” 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.
The Covenant Homeownership Act defines “first-time homebuyer” broadly. You may be eligible if the following is true for both you and your spouse (if married). Detailed eligibility criteria can be found at heretohome.org/covenant.
- Di van sê salên borî de we ne xwedî xanî bû
- Hûn dêûbavek tenê ne ku dema ku bi hevjînek berê re zewicî ye tenê xwediyê xanî ye.
- Tu malfiroşekî jicîhûwarkirî yî û tenê bi hevjînê xwe re xwediyê mal bûyî.
- We tenê xwediyê niştecîhek ku tu bingehek daîmî tune bû (wek xaniyek çêkirî)
- We tenê xwedan milkek bû ku hate destnîşankirin ku bê niştecîh e.
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 Heretohome.org/covenant.
Komîsyon niyet dike ku di pejirandina belgeyên nijad û rûniştina berî-1968-an de li Washington-ê bi qasî ku gengaz be nerm be. Dîsa, kirêdarê xanî divê vê belgeyê radest bike ji bo kesê ku berî 1968 li Washington dijiya— gelo ew kes bi xwe kiriyarê malê ye an dêûbav/bapîr/bapîr/bapîrê wî be.
Hin mînakên belgeyên pejirandî hene:
• Belgeyên Jidayikbûnê û Mirinê
• Qeydên dibistanê
• Belgeyên mirinê
• Qeydên dêrê
• Records Probate
• Kûçikên rojnameyê
• Belgeyên zewacê
• Qeydên kardêr
• Qeydên leşkerî
• Qeydên jineolojî ji çavkaniyên pêbawer
• Qeydên endamtiya eşîran
• Karta pêşnûmeyê
• Daxwaz û Serlêdanên Ewlekariya Civakî
• WA Dewletê License de Veşartî Çekên
• Daneyên serjimariyê
• Obituaries
• Civakên Dîrokî
Deyndêr û/an şêwirmendê xanîyê we dê ji we re bibe alîkar ku hûn belgeyan berhev bikin. Hin çavkaniyên baş ên jêrîn hene. Komîsyon dê li ser vê beşê çavkaniyan zêde bike.
- Daîreya Tomarên Jiyanî ya Wezareta Tenduristiyê ya Dewletê
- Legacy Washington
- FamilySearch.org: Ji bo lêgerîna tomarên malbatê hesabek belaş biafirînin.
- Ancestry.com: Ev karûbarek bi pere ye, lê hûn pir caran dikarin ji pirtûkxaneya xweya herêmî belaş bigihîjin Ancestry.com.
- Newspapers.com
- MyHeritage.com
- Pirtûkxaneyên Giştî:
Hûn dikarin bi xebata bi a Deyndêr-komîsyonek perwerdekirî to prequalify for a mortgage loan and establish your eligibility.
Starting April 20, 2026, the FIRST step is that the lender must upload all the required documentation to the Commission. This includes the lender’s signed pre-approval, all the family history documentation, and the certificate(s) of homebuyer education completion.
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.
The Washington State Homeownership Hotline at 1-877-894-4663 di heman demê de rêgezek girîng e ku meriv bi hêsanî bi Bernameya Xwedîtiya Xanî ya Peymanê, û hem jî piştgirî, rêberî û arîkariya darayî ya belaş ve girêdayî ye.
Xeta hot dê ji we re bibe alîkar ku hûn li gorî rewş, armanc û tercîhên xwe bigihîjin gava pêş. Ger hûn ji bo îpotek ne amade ne, xeta germ dê we bi piştgirî û rêberiya belaş ve girêbide da ku hûn li ser riya armanca xwe bikevin, bêyî ku hûn îro li ku ne.
A 2025 amendment to the Covenant Homeownership Act allows Covenant downpayment assistance loans to be forgiven after five years in certain circumstances. The forgiveness applies only to the downpayment assistance loan, not to the main mortgage on the property.
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 Heretohome.org/covenant for more details.
Bi hevkariya Komîsyona Darayî ya Xanî ya Dewleta Washington, serdan bikin heretohome.org/covenant ji bo bêtir agahdarî di derbarê Bernameya Xwediya Xanî ya Peymanê, Qanûna Xwediya Xanî ya Peyman, Lêkolîna Xwedîtiya Xanî ya Peymanê, û çavkaniyên din.
The information provided on this website is for general information only. All Covenant Homeownership Program eligibility is solely determined by the Washington State Housing Finance Commission and must be confirmed by the homebuyer’s 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.