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SNAP Down Payment Assistance Loan Program

Administered by: Spokane Neighborhood Action Partners (SNAP Financial Access) · Nonprofit · Deferred Loan

Funding status: Active

How much assistance

Amount determined during counseling based on borrower needs and program guidelines (Deferred Loan)

Not forgivable. Deferred repayment terms set at counseling; typically repaid at sale, transfer, or refinance.

Eligibility

Income limits: Low- to moderate-income; typical threshold at or below 80% AMI for Spokane County
First-time buyer required: Yes — Borrower has not owned a primary residence in the past three years.
Geographic restrictions: Spokane County. Must complete SNAP pre-purchase counseling and homebuyer education seminar.
Homebuyer education required: Yes

How to Apply for SNAP Down Payment Assistance Loan Program

Step 1: Call SNAP at (509) 456-SNAP (7627). A counselor returns your call within 48 hours.

Step 2: Complete the SNAP pre-purchase counseling session.

Step 3: Complete the SNAP Homebuyer Education Seminar.

Step 4: Apply through a SNAP counselor for DPA and any additional stackable programs.

Visit program website

Notes

SNAP is a HUD-approved housing counseling agency and community action partner. Exact DPA amount, income limits, and credit score minimums are determined during counseling; verify current figures with SNAP before applying.