3% Down Program

The Heritage Trust 3% Down Payment program offers borrowers a low down payment option with affordable mortgage insurance premiums.**

Program Details

  • Loan amounts beginning at $50,000 and up to $424,100***
  • Fixed and Adjustable rate options available
  • 1-unit, single family dwelling, primary residence only.


Introducing the 3% Down Payment Option* for Jumbo Loans

We can now offer borrowers the same great benefits of the 3% Down Payment program on loan amounts up to $750,000!

Jumbo Program Details

  • Loan amounts up to $750,000***
  • Fixed and Adjustable rate options available
  • 1-unit, single family dwelling, primary residence only.


Ready to get started?

*Consult a tax advisor regarding the deductibility of interest.

All Credit Union loan programs, rates, terms and conditions are subject to change and vary based on credit worthiness, qualifications, collateral conditions and underwriting requirements. Heritage Trust membership and membership fees required. **Monthly mortgage insurance. ***Loan amounts based on credit worthiness. 30-Year Fixed Rate Program:

The principal and interest payment on a $194,000 30-year Fixed Rate mortgage at 4.209% APR and 97% LTV is $926.19. This payment does not include tax or insurance premiums. APR=Annual Percentage Rate. LTV = Loan to Value *All loans subject to approval. For example, if you have a property appraised at $100,000 and it’s lower than your purchase price, we will finance $97,000. Fixed Rates will not change for the duration of the loan. Adjustable-Rate Mortgage: The initial payment on a 30-year $194,000 5-year Adjustable-Rate Loan at 2.875% and 97.00% loan-to-value (LTV) is $804.90 with 1 point due at closing. The Annual Percentage Rate (APR) is 3.805%. After the initial 5 years, the principal and interest payment is $804.90. The fully indexed rate of 4.04% is in effect for the remaining 25 years and can change once every year for the remaining life of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Rate is variable and subject to change after 5 years.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.


Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company.