Lender Paid Assistance

If you meet all the eligibility requirements, our Lender Paid Assistance program can help lower your closing costs and make homeownership more affordable. Terms and conditions apply

What does the program offer?

Closing costs assistance

Closing costs can be a major barrier to buying a home. If you meet certain eligibility requirements, you can receive up to $5,000 as a lender credit to help make closing your loan more affordable.

Works for any loan type

You can apply your lender credit to any type of loan. This includes loans that already come with fewer closing costs, such as Federal Housing Administration (FHA) loans.

How do I qualify?

Buy a home you'll live in

You must be buying a home that will be used as your primary residence.

Property location

Your new home has to be in a Citi Assessment Area, which is an area where we have Citi branch locations and accept deposits.

Meet income criteria

You can qualify in two different ways: if your income is less than 80% of the median family income for your area, or if your new home is in a low- to moderate-income census tract. Census tracts are set geographic areas identified by the U.S. Census Bureau.

Complete a course

You must take a qualified home-buying class from a Citi-approved housing counseling agency. Our mortgage representatives can give you more details about a home buyer education course near you.

Contact us

Get personalized help Find a Home Lending Officer

Give us a call 1-800-248-4638 TTY: 711

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

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