Pacific Mortgage Center

Down Payment Assistance in Spokane

Saving for a home can be challenging even when you are ready to take on a monthly mortgage payment. Pacific Mortgage Center helps buyers explore whether down payment assistance could make their purchase more manageable.

We start with your overall budget: what you can bring to closing, what payment feels comfortable, and how much you want to keep available after moving in. Our Spokane team works with borrowers across Washington, Idaho, and Montana, subject to program availability.

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How the assistance fits into your mortgage

The FHA-based assistance option described here pairs a first mortgage with a second mortgage that may help cover eligible down payment and closing expenses. The first mortgage and the assistance loan have separate terms. Ask for both to be explained together before deciding.

Borrowing the down payment adds debt and may add a monthly payment. Some assistance programs have special repayment terms, but assistance should not be assumed to be a grant.

Questions to answer before making an offer

Request a written breakdown of the first mortgage, assistance balance, combined payment, and cash still needed. Ask when the second mortgage becomes due, whether a sale or refinance changes repayment, and whether the program has income, location, or buyer-education requirements. Those details matter as much as the assistance amount.

Down Payment Assistance FAQs

Will assistance pay all of my closing costs?

Not necessarily. The amount available and permitted uses depend on the program. We can review the remaining funds you would need for your specific purchase.

Do I need to be a first-time buyer?

That depends on the assistance provider. Tell us whether you currently own a home or have owned one previously.

Is the assistance automatically forgiven?

Do not assume forgiveness. Review the second-mortgage agreement for payment obligations, maturity, and any conditions before accepting it.

Review your homebuying budget

Call (509) 926-1755 to discuss down payment assistance with Pacific Mortgage Center.

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(509) 926-1755
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Spokane, Washington

UNITED PROCESSING SERVICES INC DBA: PACIFIC MORTGAGE CENTER NMLS ID: #382734 DESIGNATED BROKER: ALAN SHANE HURD #602943441 LOAN OFFICER NMLS ID: #80956 / Montana State License: UNITED PROCESSING SERVICES INC DBA: PACIFIC MORTGAGE CENTER REBECCA PHILLIPS DESIGNATED BRANCH MANAGER NMLS ID: #1721891 LOAN OFFICER NMLS ID: #1517052 -- Equal Housing Opportunity -- NMLS Consumer Access Link: www.nmlsconsumeraccess.org