{"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":"2026-06-01T14:22:36","modified_gmt":"2026-06-01T21:22:36","slug":"covenant-homeownership-program","status":"publish","type":"page","link":"https:\/\/www.homeownership-wa.org\/vi\/for-homebuyers\/covenant-homeownership-program\/","title":{"rendered":"Ch\u01b0\u01a1ng tr\u00ecnh s\u1edf h\u1eefu nh\u00e0 theo hi\u1ec7p \u01b0\u1edbc"},"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\" ><h2 class=\"font-635512 h1 fontspace-994669 font-weight-500\" ><span>Ch\u01b0\u01a1ng tr\u00ecnh s\u1edf h\u1eefu nh\u00e0 theo hi\u1ec7p \u01b0\u1edbc<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><\/p>\n<h4><span class=\"TextRun MacChromeBold SCXW133359189 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW133359189 BCX0\">B\u1ea1n c\u00f3 \u0111ang m\u01a1 \u01b0\u1edbc s\u1edf h\u1eefu m\u1ed9t ng\u00f4i nh\u00e0 kh\u00f4ng?<\/span><\/span><\/h4>\n<p><span class=\"TextRun SCXW42041702 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW42041702 BCX0\">Ch\u01b0\u01a1ng tr\u00ecnh s\u1edf h\u1eefu nh\u00e0 Covenant c\u1ee7a ti\u1ec3u bang Washington cung c\u1ea5p kho\u1ea3n thanh to\u00e1n ban \u0111\u1ea7u v\u00e0 chi ph\u00ed \u0111\u00f3ng c\u1eeda <\/span><span class=\"NormalTextRun SCXW42041702 BCX0\">h\u1ed7 tr\u1ee3<\/span><span class=\"NormalTextRun SCXW42041702 BCX0\"> d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi mua nh\u00e0 l\u1ea7n \u0111\u1ea7u \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n d\u01b0\u1edbi h\u00ecnh th\u1ee9c <\/span><span class=\"NormalTextRun SCXW42041702 BCX0\">L\u00e3i su\u1ea5t 0% <\/span><span class=\"NormalTextRun SCXW42041702 BCX0\">kho\u1ea3n vay th\u1ee9 c\u1ea5p sau kho\u1ea3n vay th\u1ebf ch\u1ea5p ch\u00ednh. Kho\u1ea3n vay n\u00e0y \u0111\u01b0\u1ee3c tr\u1ea3 khi b\u00e1n ho\u1eb7c t\u00e1i c\u1ea5p v\u1ed1n cho ng\u00f4i nh\u00e0.<\/span><span class=\"NormalTextRun SCXW42041702 BCX0\"> C\u00e1c h\u1ed9 gia \u0111\u00ecnh \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c mi\u1ec5n n\u1ee3 sau 5 n\u0103m.<\/span><\/span><span class=\"EOP SCXW42041702 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/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>Ai \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n tham gia ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y?<\/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=\"\/vi\/\u0111i\u1ec7n tho\u1ea1i: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>B\u1ea1n ho\u1eb7c cha m\u1eb9\/\u00f4ng b\u00e0 s\u1ed1ng \u1edf ti\u1ec3u bang Washington tr\u01b0\u1edbc n\u0103m 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>Kh\u00e1m ph\u00e1 t\u00e1c \u0111\u1ed9ng c\u1ee7a Ch\u01b0\u01a1ng tr\u00ecnh s\u1edf h\u1eefu nh\u00e0 Covenant<\/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=\"Tr\u00ecnh ph\u00e1t video YouTube\" 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>T\u00ccM HI\u1ec2U CH\u01af\u01a0NG TR\u00ccNH S\u1ede H\u1eeeU NH\u00c0 COVENANT C\u00d3 D\u00c0NH CHO B\u1ea0N KH\u00d4NG<\/span><\/h4><div><p>S\u1eed d\u1ee5ng s\u1ed1 Hotline ho\u1eb7c m\u1eabu li\u00ean h\u1ec7 tr\u1ef1c tuy\u1ebfn c\u1ee7a ch\u00fang t\u00f4i. D\u1ecbch v\u1ee5 th\u00f4ng d\u1ecbch mi\u1ec5n ph\u00ed c\u00f3 s\u1eb5n qua \u0111i\u1ec7n tho\u1ea1i v\u1edbi h\u01a1n 220 ng\u00f4n ng\u1eef.<\/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=\"\/vi\/\u0111i\u1ec7n tho\u1ea1i: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=\"G\u1ecdi t\u1edbi \u0110\u01b0\u1eddng d\u00e2y n\u00f3ng WHRC\"><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=\"\u0110\u1ec3 l\u1ea1i tin nh\u1eafn v\u1edbi WHRC\" target=\"_blank\"><i class=\"fa fa-envelope3\"><\/i>Nh\u1eafn tin cho ch\u00fang t\u00f4i<\/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>Phi\u00ean th\u00f4ng tin ng\u01b0\u1eddi mua nh\u00e0<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>B\u1ea1n c\u00f3 h\u1ee9ng th\u00fa mua nh\u00e0 kh\u00f4ng? Kh\u00f4ng bi\u1ebft b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u00e2u? H\u00e3y tham gia WHRC \u0111\u1ec3 tham gia bu\u1ed5i th\u00f4ng tin v\u00e0 h\u1ecfi \u0111\u00e1p tr\u1ef1c tuy\u1ebfn. Ch\u00fang t\u00f4i chia s\u1ebb t\u1ed5ng quan v\u1ec1 c\u00e1c ngu\u1ed3n l\u1ef1c d\u00e0nh cho ng\u01b0\u1eddi mua nh\u00e0 t\u1ea1i Washington v\u00e0 c\u00e1ch b\u1ea1n c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u h\u00e0nh tr\u00ecnh s\u1edf h\u1eefu nh\u00e0 c\u1ee7a m\u00ecnh.<\/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=\"\u0110\u0103ng k\u00fd phi\u00ean th\u00f4ng tin\" target=\"_blank\">\u0110\u0102NG K\u00dd NGAY H\u00d4M NAY<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=\"\u0110\u0103ng k\u00fd phi\u00ean th\u00f4ng tin\" target=\"_blank\">\u0110\u0103ng k\u00fd h\u00f4m nay<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>C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/span><\/h2><div><p>Nh\u1ea5p v\u00e0o t\u1eebng c\u00e2u h\u1ecfi \u0111\u1ec3 t\u00ecm hi\u1ec3u th\u00eam.<\/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_1733142675\" 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_1733142675\" href=\"#1733254984681-6-4\"><span>Ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y \u0111\u01b0\u1ee3c t\u1ea1o ra \u0111\u1ec3 l\u00e0m g\u00ec?<\/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\">V\u00e0o m\u00f9a xu\u00e2n n\u0103m 2023, C\u01a1 quan l\u1eadp ph\u00e1p ti\u1ec3u bang Washington \u0111\u00e3 th\u00f4ng qua \u0110\u1ea1o lu\u1eadt s\u1edf h\u1eefu nh\u00e0 Covenant v\u1edbi s\u1ef1 \u1ee7ng h\u1ed9 c\u1ee7a c\u1ea3 hai \u0111\u1ea3ng. \u0110\u1ea1o lu\u1eadt n\u00e0y t\u1ea1o ra m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh v\u00e0 ngu\u1ed3n t\u00e0i tr\u1ee3 m\u1edbi \u0111\u1ec3 gi\u00fap \u0111\u1ee1 nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 <\/span><span class=\"NormalTextRun SCXW7336226 BCX0\">b\u1ecb t\u00e1c \u0111\u1ed9ng<\/span><span class=\"NormalTextRun SCXW7336226 BCX0\"> b\u1edfi l\u1ecbch s\u1eed ph\u00e2n bi\u1ec7t \u0111\u1ed1i x\u1eed v\u1ec1 nh\u00e0 \u1edf c\u1ee7a Washington <\/span><span class=\"NormalTextRun SCXW7336226 BCX0\">tr\u1edf n\u00ean<\/span><span class=\"NormalTextRun SCXW7336226 BCX0\"> ch\u1ee7 nh\u00e0.<\/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_1733142675\" href=\"#1611414367345-3-41732328778423\"><span>Ai \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n tham gia ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y?<\/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=\"\/vi\/\u0111i\u1ec7n tho\u1ea1i: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>B\u1ea1n ho\u1eb7c cha m\u1eb9\/\u00f4ng b\u00e0 s\u1ed1ng \u1edf ti\u1ec3u bang Washington tr\u01b0\u1edbc n\u0103m 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_1733142675\" 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_1733142675\" 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_1733142675\" 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_1733142675\" href=\"#1732330331069-8-1\"><span>Ai \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n l\u00e0 ng\u01b0\u1eddi mua nh\u00e0 l\u1ea7n \u0111\u1ea7u?<\/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>B\u1ea1n kh\u00f4ng s\u1edf h\u1eefu nh\u00e0 trong v\u00f2ng ba n\u0103m qua<\/li>\n<li>B\u1ea1n l\u00e0 cha\/m\u1eb9 \u0111\u01a1n th\u00e2n ch\u1ec9 s\u1edf h\u1eefu m\u1ed9t ng\u00f4i nh\u00e0 trong th\u1eddi gian k\u1ebft h\u00f4n v\u1edbi ng\u01b0\u1eddi v\u1ee3\/ch\u1ed3ng c\u0169.<\/li>\n<li>B\u1ea1n l\u00e0 m\u1ed9t b\u00e0 n\u1ed9i tr\u1ee3 ph\u1ea3i di d\u1eddi v\u00e0 ch\u1ec9 s\u1edf h\u1eefu m\u1ed9t ng\u00f4i nh\u00e0 c\u00f9ng v\u1edbi v\u1ee3\/ch\u1ed3ng c\u1ee7a b\u1ea1n.<\/li>\n<li>B\u1ea1n ch\u1ec9 s\u1edf h\u1eefu m\u1ed9t n\u01a1i c\u01b0 tr\u00fa kh\u00f4ng c\u00f3 n\u1ec1n m\u00f3ng c\u1ed1 \u0111\u1ecbnh (ch\u1eb3ng h\u1ea1n nh\u01b0 nh\u00e0 l\u1eafp gh\u00e9p)<\/li>\n<li>B\u1ea1n ch\u1ec9 s\u1edf h\u1eefu m\u1ed9t b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 kh\u00f4ng th\u1ec3 \u1edf \u0111\u01b0\u1ee3c.<\/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_1733142675\" 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_1733142675\" href=\"#1732330437923-10-8\"><span>T\u00f4i c\u1ea7n lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o v\u1ec1 n\u01a1i c\u01b0 tr\u00fa v\u00e0 ch\u1ee7ng t\u1ed9c\/d\u00e2n t\u1ed9c?<\/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>\u1ee6y ban c\u00f3 \u00fd \u0111\u1ecbnh linh ho\u1ea1t nh\u1ea5t c\u00f3 th\u1ec3 trong vi\u1ec7c ch\u1ea5p nh\u1eadn t\u00e0i li\u1ec7u v\u1ec1 ch\u1ee7ng t\u1ed9c v\u00e0 c\u01b0 tr\u00fa tr\u01b0\u1edbc n\u0103m 1968 t\u1ea1i Washington. M\u1ed9t l\u1ea7n n\u1eefa, ng\u01b0\u1eddi mua nh\u00e0 ph\u1ea3i n\u1ed9p t\u00e0i li\u1ec7u n\u00e0y<strong> d\u00e0nh cho ng\u01b0\u1eddi s\u1ed1ng \u1edf Washington tr\u01b0\u1edbc n\u0103m 1968<\/strong>\u2014cho d\u00f9 ng\u01b0\u1eddi \u0111\u00f3 l\u00e0 ng\u01b0\u1eddi mua nh\u00e0 hay cha m\u1eb9\/\u00f4ng b\u00e0\/c\u1ee5 c\u1ed1 c\u1ee7a h\u1ecd.<\/p>\n<p>M\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn bao g\u1ed3m:<\/p>\n<p>\u2022 Gi\u1ea5y khai sinh v\u00e0 gi\u1ea5y t\u1eed vong<br \/>\n\u2022 H\u1ed3 s\u01a1 tr\u01b0\u1eddng h\u1ecdc<br \/>\n\u2022 Gi\u1ea5y ch\u1ee9ng t\u1eed<br \/>\n\u2022 H\u1ed3 s\u01a1 nh\u00e0 th\u1edd<br \/>\n\u2022 H\u1ed3 s\u01a1 di ch\u00fac<br \/>\n\u2022 C\u00e1c m\u1ea9u b\u00e1o c\u1eaft d\u00e1n<br \/>\n\u2022 Gi\u1ea5y ch\u1ee9ng nh\u1eadn k\u1ebft h\u00f4n<br \/>\n\u2022 H\u1ed3 s\u01a1 c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng<br \/>\n\u2022 H\u1ed3 s\u01a1 qu\u00e2n s\u1ef1<br \/>\n\u2022 H\u1ed3 s\u01a1 ph\u1ea3 h\u1ec7 t\u1eeb c\u00e1c ngu\u1ed3n \u0111\u00e1ng tin c\u1eady<br \/>\n\u2022 H\u1ed3 s\u01a1 th\u00e0nh vi\u00ean b\u1ed9 l\u1ea1c<br \/>\n\u2022 Th\u1ebb d\u1ef1 th\u1ea3o<br \/>\n\u2022 Y\u00eau c\u1ea7u &amp; \u0110\u01a1n xin An sinh x\u00e3 h\u1ed9i<br \/>\n\u2022 Gi\u1ea5y ph\u00e9p mang v\u0169 kh\u00ed gi\u1ea5u k\u00edn c\u1ee7a Ti\u1ec3u bang WA<br \/>\n\u2022 D\u1eef li\u1ec7u \u0111i\u1ec1u tra d\u00e2n s\u1ed1<br \/>\n\u2022 Tin bu\u1ed3n<br \/>\n\u2022 H\u1ed9i L\u1ecbch s\u1eed<\/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_1733142675\" href=\"#1732330511564-11-6\"><span>T\u00f4i c\u00f3 th\u1ec3 t\u00ecm t\u00e0i li\u1ec7u n\u00e0y \u1edf \u0111\u00e2u?<\/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>Ng\u01b0\u1eddi cho vay v\u00e0\/ho\u1eb7c c\u1ed1 v\u1ea5n nh\u00e0 \u1edf s\u1ebd gi\u00fap b\u1ea1n thu th\u1eadp c\u00e1c t\u00e0i li\u1ec7u. M\u1ed9t s\u1ed1 ngu\u1ed3n t\u1ed1t bao g\u1ed3m nh\u1eefng ngu\u1ed3n sau. \u1ee6y ban s\u1ebd ti\u1ebfp t\u1ee5c th\u00eam c\u00e1c ngu\u1ed3n v\u00e0o ph\u1ea7n n\u00e0y.<\/p>\n<ul>\n<li><a href=\"https:\/\/doh.wa.gov\/licenses-permits-and-certificates\/vital-records\">S\u1edf H\u1ed3 s\u01a1 quan tr\u1ecdng c\u1ee7a S\u1edf Y t\u1ebf ti\u1ec3u bang<\/a><\/li>\n<li><a href=\"https:\/\/apps.sos.wa.gov\/legacy\/genealogy.aspx\">Di s\u1ea3n Washington<\/a><\/li>\n<li><a href=\"https:\/\/www.familysearch.org\/en\/united-states\/\">FamilySearch.org<\/a>: T\u1ea1o m\u1ed9t t\u00e0i kho\u1ea3n mi\u1ec5n ph\u00ed \u0111\u1ec3 t\u00ecm ki\u1ebfm h\u1ed3 s\u01a1 gia \u0111\u00ecnh.<\/li>\n<li><a href=\"https:\/\/www.ancestry.com\/\">Ancestry.com<\/a>:\u0110\u00e2y l\u00e0 d\u1ecbch v\u1ee5 tr\u1ea3 ph\u00ed, nh\u01b0ng b\u1ea1n th\u01b0\u1eddng c\u00f3 th\u1ec3 truy c\u1eadp Ancestry.com mi\u1ec5n ph\u00ed t\u1ea1i th\u01b0 vi\u1ec7n \u0111\u1ecba ph\u01b0\u01a1ng c\u1ee7a m\u00ecnh.<\/li>\n<li><a href=\"https:\/\/www.newspapers.com\/\">B\u00e1o ch\u00ed.com<\/a><\/li>\n<li><a href=\"https:\/\/www.myheritage.com\/\">MyHeritage.com<\/a><\/li>\n<li>Th\u01b0 vi\u1ec7n c\u00f4ng c\u1ed9ng:\n<ul>\n<li><a href=\"https:\/\/librarytechnology.org\/libraries\/public.pl?State=Washington\">T\u00ecm th\u01b0 vi\u1ec7n \u0111\u1ecba ph\u01b0\u01a1ng c\u1ee7a b\u1ea1n t\u1ea1i \u0111\u00e2y.<\/a><\/li>\n<li><a href=\"https:\/\/www.spl.org\/online-resources\/general-research\">Th\u01b0 vi\u1ec7n c\u00f4ng c\u1ed9ng Seattle<\/a><\/li>\n<li><a href=\"https:\/\/kcls.org\/resources-types\/databases\/\">Nghi\u00ean c\u1ee9u Th\u01b0 vi\u1ec7n Qu\u1eadn King<\/a><\/li>\n<li><a href=\"https:\/\/www.tacomalibrary.org\/resource\/\">Th\u01b0 vi\u1ec7n c\u00f4ng c\u1ed9ng Tacoma<\/a><\/li>\n<li><a href=\"https:\/\/www.spokanelibrary.org\/resources-genealogy\/\">Nghi\u00ean c\u1ee9u Th\u01b0 vi\u1ec7n c\u00f4ng c\u1ed9ng 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_1733142675\" href=\"#1611414103-2-01732328778423\"><span>T\u00f4i c\u00f3 th\u1ec3 n\u1ed9p \u0111\u01a1n xin tham gia Ch\u01b0\u01a1ng tr\u00ecnh s\u1edf h\u1eefu nh\u00e0 Covenant nh\u01b0 th\u1ebf n\u00e0o?<\/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>B\u1ea1n c\u00f3 th\u1ec3 truy c\u1eadp ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y b\u1eb1ng c\u00e1ch l\u00e0m vi\u1ec7c v\u1edbi <a href=\"https:\/\/www.wshfc.org\/buyers\/premier.htm\">Ng\u01b0\u1eddi cho vay \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o theo hoa h\u1ed3ng<\/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><\/p>\n<\/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> c\u0169ng l\u00e0 m\u1ed9t c\u00e1ch tuy\u1ec7t v\u1eddi \u0111\u1ec3 d\u1ec5 d\u00e0ng k\u1ebft n\u1ed1i v\u1edbi Ch\u01b0\u01a1ng tr\u00ecnh s\u1edf h\u1eefu nh\u00e0 Covenant, c\u0169ng nh\u01b0 c\u00e1c h\u1ed7 tr\u1ee3, h\u01b0\u1edbng d\u1eabn v\u00e0 tr\u1ee3 gi\u00fap t\u00e0i ch\u00ednh mi\u1ec5n ph\u00ed kh\u00e1c.<\/p>\n<div><\/div>\n<p>\u0110\u01b0\u1eddng d\u00e2y n\u00f3ng s\u1ebd gi\u00fap b\u1ea1n \u0111\u1ea1t \u0111\u01b0\u1ee3c b\u01b0\u1edbc ti\u1ebfp theo d\u1ef1a tr\u00ean t\u00ecnh h\u00ecnh, m\u1ee5c ti\u00eau v\u00e0 s\u1edf th\u00edch c\u1ee7a b\u1ea1n. N\u1ebfu b\u1ea1n ch\u01b0a s\u1eb5n s\u00e0ng th\u1ebf ch\u1ea5p, \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng s\u1ebd k\u1ebft n\u1ed1i b\u1ea1n v\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 v\u00e0 h\u01b0\u1edbng d\u1eabn mi\u1ec5n ph\u00ed \u0111\u1ec3 \u0111i \u0111\u00fang h\u01b0\u1edbng \u0111\u1ebfn m\u1ee5c ti\u00eau c\u1ee7a m\u00ecnh, b\u1ea5t k\u1ec3 b\u1ea1n \u0111ang \u1edf \u0111\u00e2u ng\u00e0y h\u00f4m nay.<\/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_1733142675\" 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;\">H\u1ee3p t\u00e1c v\u1edbi \u1ee6y ban T\u00e0i ch\u00ednh Nh\u00e0 \u1edf Ti\u1ec3u bang Washington, h\u00e3y truy c\u1eadp <a href=\"https:\/\/heretohome.org\/covenant\/\">heretohome.org\/covenant<\/a> \u0111\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin v\u1ec1 Ch\u01b0\u01a1ng tr\u00ecnh s\u1edf h\u1eefu nh\u00e0 Covenant, \u0110\u1ea1o lu\u1eadt s\u1edf h\u1eefu nh\u00e0 Covenant, Nghi\u00ean c\u1ee9u s\u1edf h\u1eefu nh\u00e0 Covenant v\u00e0 c\u00e1c ngu\u1ed3n l\u1ef1c kh\u00e1c.<\/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,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_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 v27.7 - 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\/vi\/for-homebuyers\/covenant-homeownership-program\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Covenant Homeownership Program - Washington Homeownership Resource Center\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.homeownership-wa.org\/vi\/for-homebuyers\/covenant-homeownership-program\/\" \/>\n<meta property=\"og:site_name\" content=\"Washington Homeownership Resource Center\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-01T21:22:36+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homebuyers\\\/covenant-homeownership-program\\\/\",\"url\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homebuyers\\\/covenant-homeownership-program\\\/\",\"name\":\"Covenant Homeownership Program - Washington Homeownership Resource Center\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/#website\"},\"datePublished\":\"2024-11-23T02:23:56+00:00\",\"dateModified\":\"2026-06-01T21:22:36+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homebuyers\\\/covenant-homeownership-program\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homebuyers\\\/covenant-homeownership-program\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homebuyers\\\/covenant-homeownership-program\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.homeownership-wa.org\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"For Homebuyers\",\"item\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homebuyers\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Covenant Homeownership Program\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/#website\",\"url\":\"https:\\\/\\\/www.homeownership-wa.org\\\/\",\"name\":\"Washington Homeownership Resource Center\",\"description\":\"You have homeownership goals. 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