契约房屋所有权计划
您是否梦想拥有一个家？
华盛顿州的“盟约房屋所有权计划”提供首付和成交费用 协助 为符合条件的首次购房者提供 0%兴趣 仅次于主要抵押贷款的贷款。该贷款在出售或再融资房屋时偿还。 符合条件的家庭可能在 5 年后获得宽恕。
谁有资格参加此计划？
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:
- 您或您的父母/祖父母在 1968 年之前居住在华盛顿州
- 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.
了解“盟约房屋所有权计划”的影响
经常问的问题
单击每个问题以了解更多信息。
2023年春季，华盛顿州立法机构在两党支持下通过了《契约房屋所有权法案》。该法案设立了一项新的计划和资金来源，以帮助那些 受到影响 华盛顿住房歧视的历史 变得 房主。
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:
- 您或您的父母/祖父母在 1968 年之前居住在华盛顿州
- 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.
- 过去三年内你没有拥有过房产
- 您是一位单亲父母，在与前任配偶结婚期间只拥有一套房子。
- 你是一名流离失所的家庭主妇，只与配偶共同拥有一套房子。
- 您仅拥有一处没有永久性地基的住宅（例如活动房）
- 您仅拥有一处被判定为不适合居住的房产。
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.
委员会打算尽可能灵活地接受种族和 1968 年之前在华盛顿居住的文件。同样，购房者必须提交这些文件 对于 1968 年之前居住在华盛顿的人来说—无论该人是购房者本人还是其父母/祖父母/曾祖父母。
可接受文件的一些示例包括：
• 出生和死亡证明
• 学校记录
• 死亡证明
• 教堂记录
• 遗嘱认证记录
• 报纸剪报
• 结婚证
• 雇主记录
• 军事记录
• 来自可靠来源的家谱记录
• 部落成员记录
• 征召卡
• 社会保障索赔和申请
• 华盛顿州隐蔽武器许可证
• 人口普查数据
• 讣告
• 历史学会
您的贷款人和/或住房顾问将帮助您收集文件。以下是一些不错的资源。委员会将继续向此部分添加资源。
- 州卫生部重要记录部门
- 遗产华盛顿
- 家庭搜索网站：创建一个免费帐户来搜索家庭记录。
- Ancestry.com：这是一项付费服务，但您通常可以从当地图书馆免费访问 Ancestry.com。
- 报纸网
- MyHeritage.com
- 公共图书馆：
您可以通过与 受过佣金培训的贷款人 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 也是轻松连接 Covenant 房屋所有权计划以及其他免费支持、指导和财务帮助的绝佳方式。
热线将根据您的情况、目标和偏好帮助您迈出下一步。如果您尚未准备好申请抵押贷款，无论您目前身处何处，热线都会为您提供免费的支持和指导，帮助您实现目标。
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.
与华盛顿州住房金融委员会合作，访问 heretohome.org/covenant 了解有关《盟约房屋所有权计划》、《盟约房屋所有权法案》、《盟约房屋所有权研究》和其他资源的更多信息。
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.