EnergySpark Program

Welcome to the newest—and greenest—home loan program from the Commission. EnergySpark is designed to work hand-in-hand with our Home Advantage loan and downpayment assistance.

Buy a house.  Save energy.  Save money.  It’s that simple.

EnergySpark Brochure (PDF)

State offers buyers of energy-efficient homes interest break 05/28/2015

Energy Spark savingsDisclaimer: The Commission may not be able to offer a .25% interest rate reduction on all days and on every rate.


  1. The mortgage rate and down payment:
    Borrowers who buy an energy-efficient home or make upgrades to an existing home at the time of purchase save 1/4 percent on their interest rate. Plus, they still qualify for our downpayment assistance.
  2. The utility bill:
    Utilities are among the hidden costs of homeownership. The more efficient the house, the more money saved.


Household income under $180,000

Purchasing either: A new home that exceeds Washington state energy standards by at least 15%, OR
An older home that can be upgraded for 10% energy savings over its current use.

An energy assessment shows the most cost-effective upgrades for the home, and EnergySpark helps finance the work!

Energy Spark program requirementsPROGRAM REQUIREMENTS

To be eligible for EnergySpark, you must purchase:

New Construction: NEEM/Energy Star Homes ®, LEED ® for Home & National Green Building Standards Silver, Gold or Platinum, Department of Energy Zero Energy Ready Home, Passive House, and Built Green ® 3, 4, or 5 Star Certification

Existing Construction: Work with your lender to make improvements (per underlying mortgage guidelines*) that improve home’s efficiency by at least 10% based on a Pre & Post Energy Audit. *Subject to lender approval.


Borrowers must attend a Commission-sponsored homebuyer seminar prior to reserving funds under the Home Advantage Program.


An energy assessment, or audit, tells you how energy efficient a home is and what improvements might make it more efficient. The energy auditor conducts tests on the home’s major systems and provides a detailed report as well as recommendations. An energy assessment is required for homebuyers using EnergySpark to purchase an existing home.

Please work with your lender to find a qualified auditor in your area.


See Premier Participating Lenders who have been helpful to homebuyers. Further restrictions apply.


If you have questions about the Energy Spark program, please call us at 206.464.7139 or toll free at 800.767.4663 or email


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