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Community Lending Programs



In Your Community




Giving Programs & Partnerships



Community Performance Resources
Down Payment and Mortgage Assistance Programs

With a long-standing legacy of supporting and improving our communities, Washington Mutual is committed to community lending programs, including Down Payment and Mortgage Assistance programs, that create home ownership opportunities for many families that would not otherwise be eligible for traditional mortgages. Through participation in the following programs, we are able to partner with agencies that provide financial assistance through programs that include:

  • Deferred Payment or Low-Interest Loans
  • Silent or Soft Seconds
  • Shared Appreciation Mortgages
  • Inclusionary Zoning & Below Market Rate (BMR) properties


Arizona 
California 
Colorado 
Florida 
Georgia 
Illinois
Nevada
New Jersey 
New York 
Oregon 
Texas 
Utah 
Washington
Multiple State Programs
FHLB AHP Programs
Interested Third Party Grants

 

Arizona 
Program Name, County
Family Housing Resources Homebuyer Assistance Program (FHR), Pima
Family Housing Resources (RHA) ADDI, Pima Old Pueblo Community Foundation HAP, Pima
Old Pueblo Community Foundation, ADDI, Pima
Old Pueblo Community HOOP, Pima
HOMEs for Arizonians, Multi-county 

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California 
Program Name, County
City of Alameda, Alameda
City of Emeryville Ownership Program, Alameda
City of Emeryville OHAP for BMR, Alameda
City of Fremont Below Market Rate, Alameda
City of Fremont Welcome Home Program, Alameda 
City of Fremont, Welcome to the Neighborhood, Alameda
City of Hayward FTHB, Alameda
City of Oakland ADDI, Alameda
City Of Oakland FTHB Program, Alameda
City Of Oakland Public Safety & Unified, Alameda

City of Chico, Butte
City of Chico Mortgage Subsidy Program, Butte
City of Oroville RDA FTHB, Butte
City of Oroville FTHB, Butte

City of Antioch DPA, Contra Costa
Bella Flora BMR, Contra Costa
City of Concord, Contra Costa
City of Pittsburg, Contra Costa
City of Walnut Creek Housing Assistance, Contra Costa

City of Watsonville BMR, Lola Maldonado

City of Glendale FTHB, Los Angeles
City of Los Angeles (LAHD), Los Angeles
City of Los Angeles LAHD Cal Home, Los Angeles
Gage Village HOME, AHOP, Los Angeles
Gage Village City of Industry AHOP, Los Angeles
Gage Village Mixed Funds AHOP, Los Angeles

City of Napa First Time Homebuyer Program and HELP Program, Napa

City of Grass Valley FTHB, Nevada

City of Anaheim SMAP Program, Orange
City of Anaheim HOME Program, Orange
City of Anaheim HELP Program, Orange
City of Buena Park DPA, Orange

La Quinta Redevelopment Agency HPTP MAP, Riverside

City of Citrus Heights, CA, Sacramento County
City of West Sacramento, Sacramento
Sacramento Housing Redevelopment SHRA (5-programs) Sacramento
Sacramento NeighborWorks DPA, Sacramento

City of Highland MAP, San Bernardino 
City of San Bernardino HAP, San Bernardino

San Diego Housing DPAP, San Diego
San Diego Housing 80% AMI Deferred Second, San Diego 
Community Housing Works Program, San Diego

City and County of San Francisco Mayor’s Office DALP, San Francisco
City of San Francisco, San Francisco
San Francisco Extra Credit Teacher Home Program, San Francisco

City of Stockton DPA, San Joaquin
City of Tracy DPA, San Joaquin `
County of San Joaquin GAP DPA, San Joaquin

City of Atascadero Moderate Income Homebuyer, San Luis Obispo

City of Foster Homebuyer Advantage, San Mateo
City of Menlo Park PAL, San Mateo
City of Foster Homebuyer Advantage Plus, San Mateo
City of San Mateo BMR, San Mateo
City of San Mateo FTHB, San Mateo
County of San Mateo-Dept. of Housing- START program, San Mateo
County of San Mateo-Dept. of Housing START Plus program, San Mateo
 
City of Morgan Hill BMR, Santa Clara County
City of San Jose, Santa Clara
City of San Jose Autumn Terrace, Santa Clara 
City of San Jose BEGIN, Santa Clara
City of San Jose Equity Share, Santa Clara
City of San Jose The Works Condominium , Santa Clara
City of San Jose Teacher, Santa Clara County 
San Jose State University FHP, Santa Clara 
City of Santa Clara BMR, Santa Clara
City of Santa Clara Co. Redevelopment FTHB, Santa Clara
County of Santa Clara $10K Program, Santa Clara
County of Santa Clara $40 K Program, Santa Clara
Morgan Hill BMR, Santa Clara
Palo Alto BMR, Santa Clara

City of Turlock FTHB, Stanislaus

Shasta County Down payment Assistance Program,  Shasta

City of Fairfield BMR, Solano County

INTEL Teacher MAP, Multi-county
Pacific West Realtors PWR Opening Doors FTHB DPA, Multi-County 

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Colorado 
Program Name, County
CHAC Colorado Housing 5 statewide programs, Denver
Del Norte/Barrio Aztlan-City of Denver, Denver

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Florida 
Program Name, County
Brevard County First Time Homebuyer, Brevard County
City of Palm Bay MAP, Brevard
City of Ft. Lauderdale PAP FTHB, Broward County
City of Hallandale, Broward
City of North Lauderdale HOP, Broward
City of Pompano Beach, Broward
City of Sunrise FTHB, Broward
New Visions CDC HOME, Broward
City of Tampa, Hillsborough County
City of Miami FTHB Program, Miami-Dade
Miami-Dade Affordable Housing Program, Dade
Miami-Dade County DLAD Homeownership Program, Miami-Dade
Metro-Miami Action Plan Homeowner Assistance Plan, Dade
Jacksonville SHARP Program, Duval
Hernando County DPA, Hernando
City of Boca Raton, Palm Beach County
Local Initiatives Support Corporation LISC, Palm Beach
Palm Beach County HOME-ADDI, Palm Beach
Palm Beach County SHIP PAP, Palm Beach
City of Clearwater Tampa Bay CDC DPA, Pinellas 
City of Largo Sold on Largo DPA, Pinellas
Unincorporated Pinellas County DPA, Pinellas Seminole County SHIP DPA, Seminole
City of Fort Pierce, St. Lucie
St. Lucie County SHIP, St. Lucie
Washington County SHIP, Washington
Florida Housing Financing HOP, Multi-County

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Georgia 
Program Name, County
Clayton County HAP, Clayton f
Atlanta Development Authority, ADDI, Fulton
Atlanta Affordable Homeownership Program, Fulton
Atlanta Affordable Trust Fund Homeownership Program, Fulton
Atlanta Community renewal MAP, Fulton  
United Way of Metro Atlanta IDA, Fulton
Gwinnett County Homestretch Program, Gwinnett

Idaho
Program Name, County


Illinois
Program Name, County
Chicago Home Options MAP, Cook
City Colleges of Chicago EAH, Cook
CPAN Chicago Partners for Affordable Neighborhoods, Cook Co, IL
CPAN New Homes for Chicago LUCHA DAP, Cook
IHDA single Family Trust Fund MAP, Cook
New Homes for Chicago, Cook
Lake County Affordable Plus Mortgage (APM)Lake County First Time Homebuyer Program, Lake
University of Chicago, U of C Hospitals EAHP, Multiple Counties

Nevada
Program Name, County
Neighborhood Housing Service HOME DPA, Multiple Counties
Neighborhood Housing Service FTHB DPA, Multiple Counties

New Jersey 
Program Name, County
County of Middlesex ADDI, Middlesex
Morris County Mt. Laurel Units, Morris County
Morris County Community Development FTHB, Morris
Morris County Community Development FTHB, Morris & Sussex Counties
 
 
New York 
Program Name, County
Neighborhood Housing Services Affordable HOME Grant, New York
Neighborhood Housing Services of NY HPD Home First, New York
NOCHIA Nassau County, New York
Suffolk County Home, Suffolk

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Oregon 
Program Name, County
CHAP Clackamas County Land Trust, Clackamas
City of Eugene, Lane 
City of Salem HAP, Marion
City of Gresham Homeownership Program, Multnomah
City of Portland Community Land Trust, Multnomah
PHC  APICIA-ADDI, Designed areas of Multnomah
PHC MAP 20%-80% City Wide, Multnomah
Springfield Homeownership Program (SHOP), Multnomah
Washington County ADDI FTHB, Washington County
CTCLUS Down Payment Assistance Program, Statewide

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Texas 
Program Name, County
County of Dallas Upfront Cost Assistance Program MAP, Dallas
City of Houston Homebuyer Assistance Program, Harris 
City of Fort Worth, Tarrant 
Austin Housing Finance DAP, Travis County

Utah 
Program Name, County

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Washington 
Program Name, County
City of Richland DPA for FTHB, Benton
Grant County WAFA DPA, Grant
City of Seattle HomeSight, King
HomeSight - RLF & So King, King
Parkview-City of Seattle, King
City of Lakewood DPA, Pierce County
HomeSight-Snohomish County
Kitsap County DPA, Kitsap
Homechoice, Multi-County
City of Lakewood, Pierce County
City of Tacoma DPA, Pierce
Pierce County DPA, Pierce
HomeSight – RLF & Hope Loan, Snohomish
Spokane Neighborhood Action Program (SNAP) DAP IV, Spokane

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Multiple State Programs

FHLB AHP Programs
Washington Mutual is a member of Seattle and San Francisco Federal Home Loan Banks and participates in their various Community Lending Programs.

Interested Third Party Grants 

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Program availability is subject to change. Certain restrictions and conditions apply. We're committed to providing the highest quality of customer service whether you visit us in person, by phone, or on the Internet.