Beeline offers FHA down payment assistance through our lender partners for eligible buyers in Washington and Idaho. It's a second loan that sits behind your FHA mortgage and can help cover part of your down payment and closing costs. We confirm terms and eligibility when we review your file.
Down payment assistance (DPA) helps reduce the cash you need to bring to closing. The assistance Beeline offers is FHA down payment assistance through our lender partners. It comes as a second loan that sits behind your FHA mortgage, and it can help cover part of your down payment and closing costs.
Your FHA loan is still your first mortgage. The assistance doesn't replace it; it works alongside it so less of the upfront cost comes out of your savings. Repayable and forgivable options may be available. Terms and eligibility vary by program and are confirmed when we review your file, so you see exactly how your assistance is structured before you commit.
This assistance pairs only with FHA loans. Eligibility depends on your file, including credit, income, and the home you're buying, and the home needs to be your primary residence. Some programs require a homebuyer education course; we'll tell you if yours does.
Offered through our lender partners for eligible FHA buyers
If you're buying with an FHA loan in Washington or Idaho, down payment assistance through our lender partners may help you close with less cash out of pocket. Here's what to know about how it fits together. Terms and eligibility vary by program and are confirmed when we review your file.
Down payment assistance is one tool, not the only one
Our down payment assistance pairs only with FHA, but it isn't the only way to buy with a smaller down payment. Depending on your credit, service history, and where you're buying in Washington or Idaho, one of these loan types may fit better. We compare them side by side for your scenario.
You don't need to figure out the assistance on your own. Here's how the process works with Beeline, from the first conversation to closing:
Down payment assistance is subject to program availability, eligibility, and credit approval. Terms and eligibility vary by program and are confirmed when we review your file. Get your actual numbers from a loan officer.
Amounts vary by program and by your file, so we don't quote a figure up front. The assistance can help cover part of your down payment and closing costs, and the actual amount and terms are confirmed when we review your file.
Yes. FHA is the only loan type our down payment assistance pairs with. FHA allows as little as 3.5% down for eligible buyers with a 580+ credit score, and the assistance, a second loan that sits behind your FHA mortgage, can help cover part of that down payment and your closing costs. We help buyers in Spokane, Liberty Lake, Coeur d'Alene, and Post Falls explore this option.
Washington's Housing Finance Commission and Idaho Housing run their own assistance programs through their own approved lenders. Beeline doesn't originate those programs; the assistance we can offer is FHA down payment assistance through our lender partners.
Yes, if you qualify. We offer FHA down payment assistance through our lender partners for eligible buyers in Washington and Idaho, including Spokane, Coeur d'Alene, and Post Falls. The home must be your primary residence, since FHA loans are for owner-occupied homes.
Yes. The assistance we offer is a second loan that sits behind your FHA mortgage. Repayable and forgivable options may be available, and the structure matters for long-term planning. Terms and eligibility vary by program and are confirmed when we review your file, and Beeline explains exactly how yours works before you commit.
Start your application and Chris will review your file, confirm whether FHA down payment assistance through our lender partners fits, and compare it with your other low-down payment options.
Chris Hendrickson NMLS #145552 | Beeline Mortgage, LLC NMLS #1713379 | Licensed in WA & ID