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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.
Closing costs can be a major barrier to buying a home. If you meet certain eligibility requirements, you can receive up to $7,500 as a lender credit to help make closing your loan more affordable.
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.
You must be buying a home that will be used as your primary residence.
If your income is less than 120% 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.
If your income is less than 120% of the median family income of your area AND if your new home is in a specified census tract in Atlanta, Austin, Cambridge, Dallas, Denver, Houston or Philadelphia.
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.