Paul's Bellingham Blog

My thoughts on Bellingham, the Real Estate market, and more

Buy with Zero Down in Bellingham

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Buying a home with Zero Down in the city of Bellingham and throughout Whatcom County just became an option for an expanded group of buyers beginning Monday July 2nd.

Previous to this announcement, the lowest down programs have been:

Inside city of Bellingham, Conventional 3% down and FHA 3.5% down. No income limit.

Outside of city of Bellingham, USDA zero down, income limit applies.

What this new program offers is a loan for down payment assistance. So if you qualify for an FHA 3.5% down loan, or another low down loan program, you can borrow up to 4% of the purchase price to assist with the down payment.  This can effectively make the loan Zero Down.

This opportunity buy with zero down in the city is now offered to ALL buyers (not just first time buyers) making up to $97,000 a year.

This also provides a zero down option for those looking in the county that did not qualify for USDA (because they made too much money to qualify USDA) but now may qualify if they are between approximately $78,000 and $97,000 a year.

More information can be found at You can also contact me direct if you or someone you know is considering buying and want more information about how to get signed up to qualify