Home In One: The 1% Down Program

Home In One: The 1% Down Program From CrossCountry Mortgage, Inc.

1%25 Down Home Mortgage

Not everyone can put 20%, 10% or even 5% down on a new home. It’s a significant amount of money that can take a long time to save. That’s why CrossCountry Mortgage, Inc. offers Home In One, our 1% down program.


  • A combined 3% down payment: 1% from you and 2% as a non-repayable gift from CrossCountry Mortgage, Inc.
  • Funds for the down payment and closing costs can come from family, secondary financing, and more
  • Available as a 15, 20, or 30-year fixed-rate mortgage
  • Also available for non-cash-out refinancing


  • Minimum credit score of 620
  • Must meet income and property eligibility requirements. Income cannot exceed 100% of the area median income limits (higher income permitted in high cost areas; no income limits apply if property is located in an underserved area).
  • You must occupy the home as your primary residence
  • Eligible properties include 1-unit single family homes, condos, and planned unit developments (no manufactured housing permitted)
  • Homeownership education is required for purchase loans


Call us at 407.869.8830 to learn more about our Home In One 1% down program.