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Get Matched Free →STCU Down Payment Match Loan
Funding status: Active
How much assistance
Match of 100% of buyer down payment, up to 5% of purchase price
No monthly payments and 0% interest during the loan term. Repaid at sale, refinance, or payoff. Borrower repays the original loan amount plus the same percentage of the home's appreciation (for example, a 1.5% loan pays back 1.5% of the home's appreciated value).
Eligibility
- Income limits: Must meet STCU minimum income thresholds. Specific limits are not published publicly; contact STCU for current requirements.
- First-time buyer required: Yes — Buyer has not owned a home in the last three years.
- Geographic restrictions: STCU membership required. Available for homes purchased in STCU's Eastern Washington and North Idaho service area, including Spokane Valley.
- Homebuyer education required: No
How to Apply for STCU Down Payment Match Loan
Call STCU's Home Loan team at 844-347-3898 or visit any STCU branch to open membership and apply for the Down Payment Match Loan alongside your first mortgage pre-approval.
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