Saving for a home just got easier*

With MatchUpSM, an All For HomeSM solution, EarnUp and Freddie Mac will help put you on a path to homeownership. Through an automated savings plan, contribute $1,250 and receive up to $2,500 for a maximum total of up to $3,750 to use towards a down payment or closing costs. These funds can be applied to help qualify you for the Freddie Mac Home Possible® mortgage which offers a low, 3% down payment financing option.


Currently, this program is only available in AL, AR, LA, MI and MS. Other eligibility criteria and terms apply, please see below.*

How It Works

Start Saving

Sign up now to start automating your savings with EarnUp's platform. Next, you'll need to complete your 30-minute qualification phone to enroll in the MatchUp program.

Let's Talk

Participate in a 30-minute qualification phone call hosted by the Homeownership Preservation Foundation (HPF).* You must complete this to determine eligibility.

Get Matched

Manage your savings journey towards a new home! Reach your goal, and after completing a phone counseling session with HPF,* receive a savings match up to $2,500!*

Savings Match Plan

When you save for at least 6 months, your contribution will be matched based on these savings levels.*

Up to $3,750+ towards a new home

Get into a new home faster with MatchUp*

Save $1,250 and receive up to $2,500 in matching funds for a maximum total of up to $3,750 to apply towards a down payment or closing costs.

Automate your savings for a new home

EarnUp makes it easier to save by automatically deducting a set amount each pay period from your bank account and depositing those funds into an FDIC-insured bank account.*

Sign up today!

We're here to help on your journey towards homeownership. For questions about MatchUp, contact EarnUp at 888-523-0655.

Copyright © 2021 EarnUp. All Rights Reserved.

*Terms and conditions apply. Please review disclosures and eligibility criteria below:

Currently, this program is only available in AL, AR, LA, MI, and MS. Other eligibility criteria apply.

This program is administered by the Homeownership Preservation Foundation (HPF). EarnUp does not administer the homebuyer readiness program or determine program eligibility. We provide a platform to help you save towards a down payment or closing costs!

Funds are held by EarnUp’s banking partners, Members FDIC. For your benefit, these funds are held in a custodial account. Account insurance coverage is subject to FDIC rules and limitations.

Eligibility criteria apply and not all applicants are eligible for this savings matching program. Funds are matched up to a maximum of $2,500 and may only be applied towards the financing of a new home for eligible homebuyers. One key criterion for eligibility is having a total gross qualifying income at or below 80% of the county area median income (AMI). Matching funds will be provided at the closing of a new mortgage. Additional eligibility requirements and fees may apply. Contact HPF for details.

HPF’s counseling fee of $99 is paid at the time of the initial financial counseling session.

The matching funds will be applied as a credit when you close on your mortgage, as long as closing occurs within 12 months of issuing an AMI Eligibility Letter but no later than 36 months from program enrollment. Matching funds may be up to two-to-one depending on the amount contributed.