Home Advantage
House Key Opportunity
Energy Spark
Covenant Homeownership Program
Conventional Loans Under 80% AMIHome Advantage
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Energy Spark
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
Covenant Homeownership Program
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
80% AMI Limits - Conventional Loans
House Key Income Limits
| County | Max Annual Limit | 80% AMI Limit |
|---|---|---|
| Adams County | $145,000 |
Conventional Loans Under 80% AMI
Conventional loans under the Home Advantage and House Key Opportunity programs offer special rates for borrowers whose income is at or below 80% of Area Median Income (AMI) for their county
80% AMI Limits - Conventional Loans
House Key Income Limits
| County | 80% AMI |
|---|---|
| Adams County | $68,800 | Asotin County | $68,800 | Benton County | $81,360 | Chelan County | $64,400 | Clallam County | $68,800 | Clark County | $91,520 | Columbia County | $82,080 | Cowlitz County | $75,520 | Douglas County | $64,400 | Ferry County | $68,800 | Franklin County | $81,360 | Garfield County | $68,800 | Grant County | $68,800 | Grays Harbor County | $68,800 | Island County | $85,120 | Jefferson County | $68,800 | King County | $109,840 | Kitsap County | $90,800 | Kittitas County | $77,760 |
Maximum Income
Home Advantage AMI Limits
| County | Max Annual Limit | 80% AMI Limit |
|---|---|---|
| Adams County | $145,000 | $53,840 | Asotin County | $145,000 | $59,120 | Benton County | $145,000 | $62,000 | Chelan County | $145,000 | $55,520 | Clallam County | $145,000 | $53,840 | Clark County | $145,000 | $73,680 | Columbia County | $145,000 | $59,440 | Cowlitz County | $145,000 | $55,360 | Douglas County | $145,000 | $55,520 | Ferry County | $145,000 | $53,840 | Franklin County | $145,000 | $62,000 | Garfield County | $145,000 | $53,840 | Grant County | $145,000 | $59,680 | Grays Harbor County | $145,000 | $53,840 | Island County | $145,000 | $60,800 | Jefferson County | $145,000 | $54,880 | King County | $145,000 | $85,520 | Kitsap County | $145,000 | $73,360 | Kittitas County | $145,000 | $59,920 | Klickitat County | $145,000 | $53,840 |
House Key Limits
House Key Opportunity serves people whose income is under the following limits. In targeted areas, those limits are higher. See our Targeted Areas Map to see locations.
| County | Non-Targeted Area (1-2 Persons) | Non-Targeted Area (3+ Persons) | Targeted Area (1-2 Persons) | Targeted Area (3+ Persons) |
|---|---|---|---|---|
| Clark/Skamania | $90,000 | $105,000 | $90,000 | $105,000 | King/Snohomish | $120,000 | $140,000 | $120,000 | $140,000 | Kitsap | $80,000 | $90,000 | $95,000 | $110,000 | Pierce | $85,000 | $100,000 | $95,000 | $110,000 | All other counties | $75,000 | $90,000 | $95,000 | $105,000 |
Maximum Purchase Price
If buying in a targeted area, the borrower does not need to be a first-time homebuyer. See Targeted Areas for more information and maps. **Loan amounts may not exceed $510,400 in any county including high cost areas.
| County | Non-Targeted Area | Targeted Area |
|---|---|---|
| Chelan | $300,000 | n/a | Clark/Skamania | $375,000 | $435,000 | Island | $300,000 | $360,000 | Jefferson | $295,000 | n/a | King/Pierce/Snohomish | $500,000 | $575,000 | Kitsap | $300,000 | $360,000 | San Juan | $440,000 | n/a | Skagit | $285,000 | n/a | Thurston | $285,000 | $340,000 | Whatcom | $310,000 | $350,000 | All other counties | $265,000 | $310,000 |
Use the map to zoom in on an outlined target area. Or, look up the census tract by address here and enter the “tract code” in the search bar. “No Results Found” means the property is not in a target area.
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