Savings Match

Build a down payment while you rent.

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Make memories at home while watching your savings grow.

For renters with some savings, you can start putting your rent to work with just a 2.5% deposit. Simply pay your rent while enjoying your Pathway home and when you’re ready to buy we'll match your deposit up to 100%. That gives you up to 5% of the home's pre-determined price to put down as a down payment! And if you decide not to buy the home after move-in, there are no penalties and you’ll get your full Savings Deposit back. 

Savings Match is right for you if...

…your credit isn't quite mortgage-ready yet

If you need more time to improve your credit before getting a mortgage, Savings Match is the perfect solution. You can start living in the home you plan to buy and take the time you need to build up your credit score.

…you want to double your savings

Other rent-to-own solutions force you to save money by adding a premium to your rent that you get back later. With Savings Match, your savings deposit grows, and even doubles, simply by paying your regular monthly rent. In 5 years, your 2.5% will be 5% without you saving or paying an extra dime. And if you decide not to buy the home after move-in, there are no penalties and you’ll get your full Savings Deposit back.

…you’re tired of losing to cash offers

Maybe you’ve already gotten approved for a low down payment mortgage but keep losing out on homes due to competition in the market. Pathway buys every home with cash, making our offers more competitive in today's market.

Still building up to 2.5%?

No worries, we’ve got options.

Check out our HomeStart product made for those who are just starting out with no savings deposit required.

Learn More

The Savings Match Payment Plan

From the day you submit your application to the day you become a homeowner, here’s what you can expect to pay on your journey with Pathway.

  • Application

    Our application only takes a few minutes and it won’t impact your credit score. 

  • Move In

    After we’ve bought the home and you’re ready to move in, we’ll collect your 2.5% Savings Deposit, first month’s rent, and a security deposit. Your lease is for one year with the option to renew for up to five years.

  • Every Month

    Each month you’ll pay rent your rent as usual. Your lease is for one year at a time, but we tell you what your rent will be each year for up to 5 years, so there are no surprises.

    Pathway will contribute to your savings deposit each year to help with your down payment when you buy the home.

  • Buying the Home

    At lease signing, we’ll agree on the future purchase price of the home. You can opt to buy the home any time after your first year, with a full 5 years to decide and get ready. When the time comes, your Savings Deposit, including matched funds from Pathway, can then be used as a mortgage down payment when you buy the home.

  • Change your mind? 

    If things change and you decide to move on, we’re flexible. There is no obligation to purchase the home. Just let us know and you can move out at the end of your annual lease term with no penalty and you’ll get your full Savings Deposit back.

Get started today!

Apply Now

Try our
Home Budget Calculator

Our Home Calculator crunches the numbers to estimate your:

  • Home Shopping Budget

  • Monthly Rent Payments

  • Earnings with Savings Match

Calculate My Budget