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Down Payment Assistance


The City of Tacoma has contracted with the Tacoma Community Redevelopment Authority to operate a down payment assistance Program. This program is designed to be consistent with and address disparities identified in the City’s 2021 Homeownership Disparity Study. This study found that one of the lowest homeownership rates in the city of Tacoma was for Black households.  As a result of the outcomes of the study this program has a goal of serving at least 65% Black households.


This program is available to households at or below 80% Area Median Income:

Household Size







Max Income (80%)








Pre-Applications are being accepted until December 20, 2023. Once the pre-application window closes a lottery will be conducted to select 20 applicants who will complete the full application packet and begin working with staff to fulfill all the requirements of the program. Selected applicants will be notified at the beginning of January. Interested applicants should anticipate purchasing a home after July of 2024 to allow time to complete the homebuyer education and homebuyer counseling.


This program will provide up to 60,000 as a down payment for a home. Assistance is provided as a no interest 25 year loan. This loan must be repaid:

  • At the end of the 25-year term;

  • If the home is sold; or

  •  If the borrower does not occupy the home as their primary residence

Basic eligibility for the program includes:

  • Home must be inside the city limits of Tacoma;

  • Be at or below 80% area median income;

  • Be a first-time homebuyer (an individual nor the spouse or domestic partner of that individual may have owned a home in the three year period prior to purchasing a home under this program; and

  •  Must complete at least four homebuyer workshops hosted by City sponsored homebuyer education organizations

Please note these are general eligibility requirements only. This program requires underwriting of the borrower and any co applicant and has requirements for the home that is to be purchased using the assistance. These additional program details will be discussed with selected applicants as part of the full application and underwriting process.


City of Tacoma Down Payment Assistance Pre-Application


For assistance with the Pre-Application, please contact (253) 591- 5763 or via email


For inquiries regarding existing Tacoma down payment assistance loans including:

  • Loan Payoff Requests
  • Loan Subordination Needed for Refinancing Purposes
  • Completing a subordination request form

You may contact the Financial Assistant at (253) 281-7356 or via email.