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HomeRun Mortgage

Our exclusive, low down payment program was 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 $806,500 (up to $1,209,750 in Alaska or Hawaii or 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 $806,500 (up to $1,209,750 in Alaska or Hawaii or in some higher-cost areas).

Condo or CO-OP

As little as 3% down is needed to finance a condo or CO-OP.

2-unit homes

2-unit properties are allowed and require as little as 5% of the down payment from the borrower’s own funds. The remainder may come from other eligible sources such as Gifts, Grants or approved Down Payment Assistance Programs.

Is a HomeRun mortgage right for you?

Have one of our mortgage representatives call you.

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Providing us your telephone number means you are providing express "written" consent for Citibank, N.A. and its authorized third parties to call you (including through automated means, such as autodialing, text where SMS/MMS may apply, and pre-recorded messaging) at the number and/or email you've provided to offer and/or advertise its products and services, even if your telephone number is currently listed on any internal, state, or national Do Not Call list. You are not required to provide this consent as a condition of purchasing any property, goods, or services. You may directly contact Citibank, N.A. to discuss mortgage products and services by calling 1-800-MORTGAGE (TTY: We accept 711 or other relay service).

By submitting this information, I consent and agree to be contacted by Citibank, N.A. regarding my loan inquiry at the telephone number or email address provided. I understand that this is not a mortgage loan application, and that if I wish to apply for a mortgage loan, I will need to apply directly with Citibank, N.A.


Start here to achieve your home ownership goals.  

Contact Us

Get personalized help

Give us a call

1-800-248-4638

TTY: We accept 711 or other relay service

Mon-Fri: 8 AM to 10 PM ET

Sat: 9 AM to 7 PM ET

Have questions?

Important disclosures

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 in Citibank assessment areas and specific census tracts in Arlington, VA, Atlanta, GA, Austin, TX, Cambridge, MA Dallas, TX Denver, CO, Frederick, MD, Houston, TX, Marietta, GA, Newark, NJ, New York, NY, Philadelphia, PA, San Jose, CA and Washington, D.C. Metropolitan Statistical Areas for loans on the primary residence of borrowers who qualify, and is also subject to income, property, product and other restrictions. To be eligible for up to 97% financing, the property must be a single-family home (including condos, co-ops and planned unit development) with a loan amount up to $806,500. Certain condo and co-op projects may be subject to lower LTVs. Single-family homes in certain high-cost markets with loan amounts between $806,501 and $1,209,750 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. Two-unit properties are eligible for 89.99% financing with loan amounts up to $1,032,650, or 85% up to $1,548,975 in certain high-cost markets. In addition to home buying education, borrowers of two-unit properties must participate in landlord training from a Citi-approved community agency prior to closing. HomeRun is not available on cash-out refinance transactions.

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