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Affinity HomeAdvantage Cash Rewards

Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage

Varies; the live calculator shows $5,000 at a $1,000,000 price, subject to commission, lender, and state rules

Affinity members who buy or sell through an assigned HomeAdvantage network agent may receive a commission-funded cash reward.

Grant

Locations listed in HomeBase: District of Columbia

This may not be the program's complete service area. Check the provider's location rules for the home you want to buy.

How and when you repayThe reward is not a loan and is not repaid; it may be delivered as a closing-cost credit, commission reduction, or post-closing payment depending on the transaction and state.

Who can apply

About you

Affinity membership is required.
The buyer or seller must select and use an assigned HomeAdvantage network agent.
An Affinity mortgage is not required.
The buyer reward can be limited by lender underwriting or prohibited by state law; no buyer reward is available in Mississippi.
The reward may appear as a closing-cost credit, reduced commission, check, gift card in specified states, or post-closing payment.
Rewards not issued at closing may take up to the stated processing period after HomeAdvantage receives the settlement statement and funds.

The program makes the final eligibility decision.

Full requirements, documents, and history

Income tables, education requirements, contacts, complete rules, stacking guidance, sources, and change history

Conditions

Affinity membership and use of an assigned HomeAdvantage network agent are required; an Affinity mortgage is not required.

Documents needed

Affinity membership
HomeAdvantage enrollment and assigned-agent record
Purchase or listing agreement
Settlement statement/Closing Disclosure
Final sales-price and commission documentation when requested

Reader request

Want us to check this program?

Ask HomeBase to re-check Affinity HomeAdvantage Cash Rewards’s current funding, operation, and key terms. Requests help us prioritize the queue; only evidence changes the listing.

What can I combine this with?

Most buyers can use more than one program on the same purchase — a state program under a county one, an employer benefit under both. Taking one when three were available is the most expensive mistake on this site, and it is usually made in silence.

Show what stacks with Affinity HomeAdvantage Cash Rewards(12 to check)

Worth asking about(12)

No published rule either way. One phone call settles it — and the answer can be worth thousands.

Achieve First-Time Homebuyer Mortgage
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Achieve First-Time Homebuyer Mortgage.

Can it be used on the same purchase as Affinity HomeAdvantage Cash Rewards (Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
AFC Mortgage Cash OfferAFC Mortgage Group
AFC finances up to the full new purchase secured by the current and new homes, allowing a non-contingent offer.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at AFC Mortgage Cash Offer.

Can it be used on the same purchase as Affinity HomeAdvantage Cash Rewards (Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Affinity First-Time Homebuyer $500 Savings BonusAffinity Federal Credit Union
A qualifying first-time buyer who closes an Affinity mortgage and completes the account and autopay requirements receives $500 in an Affinity savings account.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Affinity First-Time Homebuyer $500 Savings Bonus.

Can it be used on the same purchase as Affinity HomeAdvantage Cash Rewards (Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
American Eagle First-Time Buyer $1,000 Closing-Cost CreditAmerican Eagle Financial Credit Union
$1,000 toward closing costs with American Eagle's fixed-rate first-time-buyer mortgage, which advertises down payments as low as 3% and a rate lock up to 60 days.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at American Eagle First-Time Buyer $1,000 Closing-Cost Credit.

Can it be used on the same purchase as Affinity HomeAdvantage Cash Rewards (Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Ascend Bank Aspire Homebuyer MortgageAscend Bank
A Connecticut first-time-buyer mortgage with up to 100% financing, lender-paid PMI, and up to $5,000 of assistance in eligible geographies.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Ascend Bank Aspire Homebuyer Mortgage.

Can it be used on the same purchase as Affinity HomeAdvantage Cash Rewards (Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Bank of America America's Home GrantBank of America, N.A.
A nonrepayable lender grant of up to $7,500 for eligible nonrecurring closing costs or a permanent interest-rate buydown on a qualifying Bank of America mortgage and select-market property.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Bank of America America's Home Grant.

Can it be used on the same purchase as Affinity HomeAdvantage Cash Rewards (Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Bank of America Down Payment GrantBank of America, N.A.
A nonrepayable down-payment grant equal to 3% of the purchase price, capped at $10,000, for a qualifying first-time buyer, Bank of America mortgage and select-market property.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Bank of America Down Payment Grant.

Can it be used on the same purchase as Affinity HomeAdvantage Cash Rewards (Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Beeline Price Pact and Free-Refi BenefitsBeeline Loans, Inc.
A conditional $250 lender credit when Beeline matches a qualifying competing conventional offer, plus waiver of Beeline-retained fees on a later same-property refinance under the current offer.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Beeline Price Pact and Free-Refi Benefits.

Can it be used on the same purchase as Affinity HomeAdvantage Cash Rewards (Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Better Real Estate Purchase Loan Lender CreditBetter Mortgage Corporation and Better Real Estate
A lender credit equal to 0.50% of the final Better Mortgage purchase-loan amount, up to $10,000, for borrowers using a Better Real Estate Partner Agent and closing with Better Mortgage.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Better Real Estate Purchase Loan Lender Credit.

Can it be used on the same purchase as Affinity HomeAdvantage Cash Rewards (Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Bridgeport First-Time Homebuyer Down Payment and Closing Cost AssistanceCity of Bridgeport Housing & Community Development, administered with Building Neighborhoods Together
Up to $25,000 as a forgivable second mortgage for a qualifying first-time buyer purchasing and occupying an eligible Bridgeport home.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Bridgeport First-Time Homebuyer Down Payment and Closing Cost Assistance.

Can it be used on the same purchase as Affinity HomeAdvantage Cash Rewards (Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
CBC Mortgage Chenoa Fund - Conventional Standard 97 Program
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at CBC Mortgage Chenoa Fund - Conventional Standard 97 Program.

Can it be used on the same purchase as Affinity HomeAdvantage Cash Rewards (Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Centreville Bank PASO MortgageCentreville Bank
A Centreville Bank 30-year fixed mortgage with up to 100% financing for eligible low- or moderate-income buyers in eastern Connecticut.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Centreville Bank PASO Mortgage.

Can it be used on the same purchase as Affinity HomeAdvantage Cash Rewards (Affinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.

We only mark a pair confirmed when a published program rule says so and we can cite it. Everything else is honestly unsettled — which is not the same as “no”. Confirm with a housing counselor or your lender before you count on any combination.

Check everything you’re bringing to closing — gifts, seller credits, employer help →

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