EnergySpark Home Loan
Administered by Washington State Housing Finance Commission
EnergySpark offers a 0.25% reduction on your mortgage interest rate when you buy a new energy-efficient home (15%+ above state standards) or upgrade an existing home for 10% energy savings, plus you qualify for downpayment assistance. You must have household income under $215,000, attend a homebuyer seminar, and get an energy assessment for existing homes before closing.
Contractors can serve EnergySpark customers by performing upgrades that achieve at least 10% energy efficiency improvements on existing homes at time of purchase, subject to lender approval and underlying mortgage guidelines. The program creates customer value through a 0.25% interest rate reduction plus downpayment assistance eligibility, and works alongside WSHFC's Home Advantage Loan program.
EnergySpark is administered by the Washington State Housing Finance Commission and reduces mortgage rates by 0.25% (when available) for borrowers with household income under $215,000 purchasing qualifying energy-efficient homes. The program targets low-income homebuyers and operates through participating lenders; it requires homebuyer education attendance and energy assessments for existing-home purchases, and coordinates with downpayment assistance and Home Advantage Loan products.
Program details
- Program ID
- 5800
- Last updated
- 7/29/2025
Eligibility
- Sectors
- low income residential
- Technologies
- comprehensive measures/whole building custom/others pending approval
Program summary
The Washington State Housing Finance Commission (WSHFC) offers a 0.25% reduced interest rates on loans for qualified buyers of energy efficient homes. Homes must be a new construction exceeding Washington state energy standards by 15% or more, or existing homes that can be upgraded for 10% energy savings over its current use. An energy assessment is required for homebuyers using EnergySpark to purchase an existing home.
To qualify for the program, home buyers must have household income under $180,000.
The EnergySpark program is designed to work with WSHFC's Home Advantage Loan program and downpayment assistance program. Interested participants must also attend a homebuyer-seminar sponsored by WSHFC prior to receiving funding. Loans are provided through participating lenders, and those receiving an EnergySpark loan may also qualify for down payment assistance.
*WSHFC may not be able to offer a 0.25% interest rate reduction on all days and on every rate.
Contact & resources
- Contact email
- Karen.Carlson-Bunce@wshfc.org
- Additional resources
Please verify current program details with the administering agency before making any financial decisions.
