House Key Plus ARCHARCH East King County Downpayment Assistance Loan Program

ARCH East King County Downpayment Assistance Loan Program combines with the Home Advantage first mortgage loan program. This program is for qualified borrowers  purchasing a home or condominium within an ARCH member city.


This program allows up to $30,000 in downpayment assistance at 4% simple interest. There are no monthly payments with the balance due and payable when the Borrower(s) 1) sells, refinances, transfers the property; 2) fails to maintain as principal place of residence; or 3) when the home is paid off (on or before 30 years).

You do not need to be a first-time homebuyer.

The home you are purchasing must be your principal residence and owner-occupied.

Due to federal guidelines, the home must not have been occupied by a tenant within 90 days of the purchase and sale agreement.

You must attend a free Homebuyer Education Seminar sponsored by the Washington State Housing Finance Commission and receive your certificate. You will also attend a FREE one-on-one pre-purchase counseling session. The seminar and counseling will provide you with the information you will need to purchase and maintain your first home. Online Homebuyer Education will not meet the seminar requirement for this program.

Once you are pre-approved and your lender says you are ready to close, please contact one of the following agencies to schedule an appointment for one-on-one pre-purchase counseling session:

American Financial Solutions, 888-864-8699

Parkview Services, Marnie Claywell, 206-542-6644 ext 126

Urban League of Metropolitan Seattle, 800-368-1455

MAXIMUM INCOME LIMITS as of 06/15/2017

To be eligible for ARCH Downpayment Assistance, your household income must not exceed these limits:

1 person $50,400 | 2 person $57,600 | 3 person $64,800 | 4 person $72,000
5 person $77,800 | 6 person $83,350 | 7 person $89,300 | 8 person $95,050


New and existing construction home limit is $373,000.


Funds may be used for downpayment and closing costs based upon need. The Borrower’s downpayment requirement is 2% of the purchase price. Up to ½ of the 2% can be from gift funds.


Karin Koenig, NMLS #117039, Eagle Home Mortgage, 425-822-6783, 

Mike England, NMLS #55142, Fairway Independent Mortgage, 206-271-3219,

Jessica Santana, NMLS #57804, HomeStreet Bank, 206-389-6346,

Karen Sibley, NMLS #73827, American Pacific Mortgage, 425-220-9592, 


Beaux Arts Village | Bellevue | Bothell | Clyde Hill | Hunts Point | Issaquah | Kenmore | Kirkland | Medina | Mercer Island | Newcastle | Redmond | Sammamish | Woodinville | Yarrow Point


If you have questions about the ARCH East King County Downpayment Assistance Loan Program, please contact Dietrich Schmitz at 206-287-4459 or toll free at 800-767-4663, Ext. 459, or by e-mail


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