Mortgages

Down-Payment Options

Low- and no-down-payment loans make buying a home easier.

Take Five

First-time home buyers with a strong credit history may qualify for our Take Five program with just a 5 percent down payment.

Verify Income Eligibility and contact CEFCU for complete details.

USDA Rural Housing Guarantee Loan Program

If you qualify for this program, you could buy a home with no down payment (certain geographic requirement and income limits apply). Your payment is fixed for the life of the loan, even if interest rates rise.

To see if you qualify, visit the USDA Income and Property Eligibility site.

Other Programs

Other low-down-payment programs and grants may be available, so contact CEFCU to learn more.