If you are thinking about buying your first home... you’ve come to the right place! This is a great first step in your process as you begin planning ahead and dreaming of your path to home ownership. This is a place to get educated and find resources and information all geared to help guide and answer your burning questions! 

Take a peek at the information below and reach out if you have questions or feel you are ready to start the process.

Let’s Connect and get you started with step 1! 

Down Payment Assistant Option


Homebuyer Education Seminars


Through local partnerships, the Commission helps homebuyers learn how to purchase and maintain a home. Commission-sponsored homebuyer education seminars are the first step in purchasing a home.  They are free and open to the public, include information about the Commission's first mortgage programs, downpayment assistance, and other loan programs; and are accepted by all affordable housing loan programs as meeting or exceeding educational requirements.


  • Seminars are at least five hours in length, covering all major aspects of the home buying process.
  • Seminars are presented in an open, unbiased format.
  • Seminars use approved training materials and handouts.
  • Seminars are offered by professionals who have attended the Commission's instructor training.
  • No direct marketing or sales presentations may be given either by the instructor or any guest speakers.


Guide To Home Loans workbook is provided by the Washington State Department of Financial Institutions.


If you will be using any of the Commission's programs to purchase your home, you must complete the seminar before your loan officer can lock in your interest rate. Many people find they gain enough information at the seminar to successfully locate and finance a home of their own. Others may find they need additional assistance.  Contact us with questions at [email protected]

First Option

Seminars are offered frequently all over the state. Find a time and location that works for you. 

Second Option

If you are unable to take an in-person class, you can also take a self-study course online. This course costs $50 per person.

Down payment money is out there.
We’ll help you find it. Check your eligibility now

Thank you for visiting Carmen Johnson’s Down Payment Resource Center. Tell us where you're looking and answer a few questions about your household and see how many programs may match your circumstances.

Let’s see if you’re eligible


Single Family Housing Guaranteed Loan Program

What does this program do?

The Section 502 Guaranteed Loan Program assists approved lenders in providing low- and moderate-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas. Eligible applicants may purchase, build, rehabilitate, improve or relocate a dwelling in an eligible rural area with 100% financing. The program provides a 90% loan note guarantee to approved lenders in order to reduce the risk of extending 100% loans to eligible rural homebuyers – so no money down for those who qualify!

Who may apply for this program?
Applicants must:

  • Meet income-eligibility (cannot exceed 115% of median household income)
  • Agree to personally occupy the dwelling as their primary residence
  • Be a U.S. Citizen, U.S. non-citizen national or Qualified Alien

What is an eligible rural area?
Utilizing this USDA's Eligibility Site you can enter a specific address for determination or just search the map to review general eligible areas. 

Why does Rural Development do this?

This program helps lenders work with low- and moderate-income households living in rural areas to make homeownership a reality. Providing affordable homeownership opportunities promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas. 

Do you know someone ready to buy their first home?!

You may not be ready right now to buy, but know someone who is. If you know someone looking to buy their first home, send me an email to [email protected] with their contact information so we can get connected! If we get into contact on a home, I will reach back out to send you directly $500! What a easy way to earn some extra cash!  


The perfect opportunity to look around, ask questions and find the home you love.

Have Questions?

"I cannot thank you enough for all that you did for me and helping me through such a huge transition and getting my Maltby place sold.  Literally, I moved 3 times in one year!  I love where I’m at right now.  Thank you, thank you, thank you!" - Christy Bone

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