HomeRun Mortgage

Our exclusive, low down payment program created to help make buying a home easier and more affordable.*

What are the benefits?

  • Down payments as low as 3%
  • No mortgage insurance requirement
  • Available for purchase and rate term refinancing
  • Flexible credit guidelines
  • Interest rates comparable to conventional loan rates
  • Products offering the stability of a fixed rate
  • Homeownership education and counseling
  • Loans up to $484,350 and as much as $679,650 available in some higher-cost areas

What properties qualify?

Single-family homes

As little as 3% down is required on single-family homes with a loan up to $484,350.

Condo or CO-OP

As little as 5% down is needed to finance a condo or CO-OP.

2-unit homes

As little as 10% down is required on 2-unit properties, with 5% required from the borrower's own funds.

Let's talk about HomeRun


Mon-Fri: 8:00 AM to 10:00 PM ET and Sat: 9:00 AM to 7:00 PM ET

Terms, conditions, and fees for accounts, products, programs, and services are subject to change. This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs. Offer cannot be combined with any other mortgage offer.
*HomeRun is available only in Citibank assessment areas for loans on the primary residence of borrowers who qualify and is subject to geographic, income, property, product and other restrictions. To be eligible for up to 97% financing, the property must be a single-family home with a loan amount up to $484,350. Single-family homes in certain high-cost markets with loan amounts between $484,350 and $679,650 are eligible for up to 95% financing. Non-traditional credit on conforming loan sizes requires 5% down payment. Non-traditional credit is not permitted on loans exceeding conforming loan limits. Attached and detached PUDs located in the following Superior Lien States must use the Condo guidelines. Superior Lien States are: Connecticut, District of Columbia (Washington D.C.), Illinois, Missouri, Nevada, New Jersey, and New York Condominiums and co-ops are eligible for up to 95% financing with loan amounts up to $484,350, or loan amounts up to $679,650 in certain high-cost markets. 2-unit properties are eligible for 90% financing with loan amounts up to $580,150 or 85% up to $870,225 in certain high cost markets. In addition to home buyer education, borrowers of 2-unit properties must participate in landlord training from a Citi-approved community agency prior to closing.

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