Creating a homes for heroes program.

HB 1022 creates a pilot program providing no-interest down payment and closing cost loans (up to $25,000) to essential workers in Washington state who meet income limits. It directly affects firefighters, nurses, police officers, emergency medical technicians, mental health professionals, social workers, child care providers, and veterans with household income below 100% of the state median. Loans require no repayment until the home is sold, rented, or refinanced, and the program is capped at $15 million in funding through June 2027. The bill mandates reporting on program outcomes to the legislature by 2026 and 2027.