All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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Washington State Housing Finance Commission's primary 30-year fixed-rate first mortgage program, available statewide to eligible homebuyers (first-time-buyer requirement waived in targeted areas and for some borrower categories); typically paired with Home Advantage down payment assistance (a 0%-interest deferred second mortgage of 3%-5% of the first-mortgage amount).
Estimated all-in monthly payment for a home price you have in mind.
Check which down payment assistance programs you likely qualify for.
What actually reaches your account after federal tax, FICA, and your state's own brackets — with local income tax disclosed rather than guessed at.
Washington's real estate excise tax runs $6,798 on a median-priced home, but the seller customarily pays it. Here's what the buyer actually brings to closing.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.