A special program is now available to help Covid-19 affected homeowners in Spokane County make payments on their past-due home mortgages. We know the last 10 months have been hard. The pandemic has had a huge effect on the economy and created hardships for many families in many ways. But SNAP Financial Access, is excited to be able to offer real financial help with up to six (6) months of mortgage payments paid through this program. We can help you to keep your home!

Spokane County Residents Only

This program is available until the CARES act funds are exhausted, but it is for county residents only, this program is not for Spokane City residents. (There is also a special low interest loan program for Spokane City residents, more info in the Related Programs section below.)

County residents include those who live in the following areas: Airway Heights, Cheney, Deer Park, Elk, Fairfield, Freeman/Mica, Latah, Liberty Lake, Medical Lake, Millwood, Rockford, Spangle, Spokane Valley, and Waverly.


Requirements of the County Mortgage Payment Assistance Program

This program is intended for residents who were adversely affected by Covid-19 that caused them to be unable to afford their mortgage payments at no fault of their own. Missed payments prior to April 2020 are not considered Covid-19-related hardships because closures didn’t start until mid-March. Only those who are currently past due on payments are eligible. We have mortgage counselors ready to take your calls and help connect you to the resources needed to get into a better situation as soon as possible. There are income limits as defined in the chart below.

The following details the eligibility requirements of the county mortgage payment assistance program:

  • Past due payments up to 6 months
  • Delinquency before April 1, 2020 will not be eligible
  • One-on-one mortgage counseling required
Income Limits Chart
Household Size Monthly Income Cap
1 $3,613.00
2 $4,129.00
3 $4,646.00
4 $5,158.00
5 $5,575.00
6 $5,988.00
7 $6,400.00
8 $6,813.00


Contact us to get started today!

For County Mortgage Payment Assistance call (509) 319-3040 or email housing@snapwa.org.