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Citi’s offerings and lending guidelines may differ.","content:disclosures:global-floating-disclosure.json","Global Floating Disclosure","disclosures/global-floating-disclosure.json",{"title":91,"subtext":7,"portraitImage":92,"imageAlt":93,"imageWidth":94,"background":95,"borderRadius":96,"maxWidth":97,"paddingTopBottom":98,"paddingLeftRight":98,"gap":98,"variant":99},"Citi is #1 in Customer Satisfaction with Mortgage Origination - ***[J.D. Power 2025 Award](https://www.jdpower.com/business/awards)***","/media/jdpower-trophy.png","J.D. Power 2025 Trophy",48,"var(--brand-default)",0,650,16,"default",{"data":101,"body":103,"excerpt":-1,"toc":156},{"title":7,"description":102},"Key insights:",{"type":104,"children":105},"root",[106,117,137,151],{"type":107,"tag":108,"props":109,"children":110},"element","p",{},[111],{"type":107,"tag":112,"props":113,"children":114},"strong",{},[115],{"type":116,"value":102},"text",{"type":107,"tag":118,"props":119,"children":120},"ul",{},[121,127,132],{"type":107,"tag":122,"props":123,"children":124},"li",{},[125],{"type":116,"value":126},"With a no closing cost mortgage, you don’t pay most closing costs upfront, which may save you money in the short term but can cost more over time",{"type":107,"tag":122,"props":128,"children":129},{},[130],{"type":116,"value":131},"In some cases, the lender pays the closing costs in exchange for a higher interest rate, and in others, the closing costs get rolled into your loan amount",{"type":107,"tag":122,"props":133,"children":134},{},[135],{"type":116,"value":136},"You may still need to make some payments at closing, like escrow deposits for homeowners insurance and property taxes",{"type":107,"tag":108,"props":138,"children":139},{},[140,142,149],{"type":116,"value":141},"A zero closing cost mortgage can help you reduce what you pay out of pocket at ",{"type":107,"tag":143,"props":144,"children":146},"a",{"href":145},"/home-buying/articles/closing-on-a-house/",[147],{"type":116,"value":148},"closing",{"type":116,"value":150},". 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Instead, they’re typically handled in one of two ways:",{"type":104,"children":163},[164,176,199],{"type":107,"tag":108,"props":165,"children":166},{},[167,169,174],{"type":116,"value":168},"A ",{"type":107,"tag":112,"props":170,"children":171},{},[172],{"type":116,"value":173},"no closing cost mortgage",{"type":116,"value":175}," is a home loan where most closing costs aren’t paid in cash at closing. Instead, they’re typically handled in one of two ways:",{"type":107,"tag":118,"props":177,"children":178},{},[179,189],{"type":107,"tag":122,"props":180,"children":181},{},[182,187],{"type":107,"tag":112,"props":183,"children":184},{},[185],{"type":116,"value":186},"Lender-paid closing costs:",{"type":116,"value":188}," The lender covers certain closing costs, and you accept a higher interest rate.",{"type":107,"tag":122,"props":190,"children":191},{},[192,197],{"type":107,"tag":112,"props":193,"children":194},{},[195],{"type":116,"value":196},"Rolled-into-loan closing costs:",{"type":116,"value":198}," Closing costs are added to your loan amount, so you pay them off over time (with interest).",{"type":107,"tag":108,"props":200,"children":201},{},[202],{"type":116,"value":203},"Either way, you’ll typically pay less today in exchange for paying more over time.",{"title":7,"searchDepth":157,"depth":157,"links":205},[],{"data":207,"body":209,"excerpt":-1,"toc":269},{"title":7,"description":208},"Closing costs are the fees and services involved in processing and finalizing your mortgage. They’re often around 2–6% of the home’s purchase price, and they can vary by lender, location and loan type.",{"type":104,"children":210},[211,226,231,264],{"type":107,"tag":108,"props":212,"children":213},{},[214,216,224],{"type":116,"value":215},"Closing costs are the fees and services involved in processing and finalizing your mortgage. They’re often around 2–6% of the home’s purchase price, and they can vary by lender, location and ",{"type":107,"tag":143,"props":217,"children":221},{"href":218,"rel":219},"https://www.mortgage.com/home-loans/articles/types-of-loans/",[220],"nofollow",[222],{"type":116,"value":223},"loan type",{"type":116,"value":225},".",{"type":107,"tag":108,"props":227,"children":228},{},[229],{"type":116,"value":230},"Common items include:",{"type":107,"tag":118,"props":232,"children":233},{},[234,239,244,249,254,259],{"type":107,"tag":122,"props":235,"children":236},{},[237],{"type":116,"value":238},"Appraisal fee",{"type":107,"tag":122,"props":240,"children":241},{},[242],{"type":116,"value":243},"Origination fee",{"type":107,"tag":122,"props":245,"children":246},{},[247],{"type":116,"value":248},"Credit report fee",{"type":107,"tag":122,"props":250,"children":251},{},[252],{"type":116,"value":253},"Title search and title insurance",{"type":107,"tag":122,"props":255,"children":256},{},[257],{"type":116,"value":258},"Recording fees",{"type":107,"tag":122,"props":260,"children":261},{},[262],{"type":116,"value":263},"Underwriting or processing fees",{"type":107,"tag":108,"props":265,"children":266},{},[267],{"type":116,"value":268},"Keep in mind that even with a zero closing cost mortgage, depending on your lender’s requirements, you may still need to pay some items at closing, such as prepaid interest or initial escrow deposits for property taxes and homeowners insurance.",{"title":7,"searchDepth":157,"depth":157,"links":270},[],{"data":272,"body":274,"excerpt":-1,"toc":320},{"title":7,"description":273},"Here’s what to generally expect if you go with lender-paid closing costs:",{"type":104,"children":275},[276,280,298,303],{"type":107,"tag":108,"props":277,"children":278},{},[279],{"type":116,"value":273},{"type":107,"tag":118,"props":281,"children":282},{},[283,288,293],{"type":107,"tag":122,"props":284,"children":285},{},[286],{"type":116,"value":287},"The lender pays the closing costs upfront.",{"type":107,"tag":122,"props":289,"children":290},{},[291],{"type":116,"value":292},"The borrower pays a slightly higher interest rate over time.",{"type":107,"tag":122,"props":294,"children":295},{},[296],{"type":116,"value":297},"Monthly payments increase slightly.",{"type":107,"tag":108,"props":299,"children":300},{},[301],{"type":116,"value":302},"If you opt for the rolled-into-loan model, on the other hand, here’s what the process looks like:",{"type":107,"tag":118,"props":304,"children":305},{},[306,311,316],{"type":107,"tag":122,"props":307,"children":308},{},[309],{"type":116,"value":310},"The borrower finances the closing costs into the mortgage balance.",{"type":107,"tag":122,"props":312,"children":313},{},[314],{"type":116,"value":315},"The mortgage balance becomes slightly higher.",{"type":107,"tag":122,"props":317,"children":318},{},[319],{"type":116,"value":297},{"title":7,"searchDepth":157,"depth":157,"links":321},[],{"data":323,"body":324,"excerpt":-1,"toc":333},{"title":7,"description":7},{"type":104,"children":325},[326],{"type":107,"tag":327,"props":328,"children":332},"inline-table",{":headers":329,":rows":330,"table-layout":331},"[{\"value\":\"Pros\"},{\"value\":\"Cons\"}]","[{\"column\":{\"valueOne\":\"Lower upfront cash requirement\",\"valueTwo\":\"Potentially higher monthly payments due to higher interest rate or loan amount\"}},{\"column\":{\"valueOne\":\"More cash available for moving, renovations and emergency reserves\",\"valueTwo\":\"You may pay more in total interest over the life of the loan\"}},{\"column\":{\"valueOne\":\"May help you save money upfront when refinancing\",\"valueTwo\":\"If you keep the loan long-term, paying closing costs upfront is often cheaper overall\"}},{\"column\":{\"valueOne\":\"Helpful flexibility if you expect to move or refinance again in a few years\",\"valueTwo\":\"Some costs, especially prepaids like taxes and insurance, may still be due at closing\"}}]","basic",[],{"title":7,"searchDepth":157,"depth":157,"links":334},[],{"data":336,"body":338,"excerpt":-1,"toc":417},{"title":7,"description":337},"If offered by a lender, a no closing cost mortgage is a pricing option available to borrowers who qualify for a standard loan program. No closing cost structures may be offered on conventional loans and refinances.",{"type":104,"children":339},[340,361,366],{"type":107,"tag":108,"props":341,"children":342},{},[343,345,351,353,360],{"type":116,"value":344},"If offered by a lender, a no closing cost mortgage is a pricing option available to borrowers who qualify for a standard loan program. 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Assess how much you’ll pay upfront and over time with each option.",{"type":107,"tag":108,"props":514,"children":515},{},[516],{"type":116,"value":517},"Note: Citi only offers no closing cost mortgages with the Mitchell-Lama Housing Program, which is available exclusively in New York State.",{"title":7,"searchDepth":157,"depth":157,"links":519},[],{"data":521,"body":522,"excerpt":-1,"toc":530},{"title":7,"description":7},{"type":104,"children":523},[524],{"type":107,"tag":525,"props":526,"children":529},"faq",{":faqs":527,"headline":528},"[{\"question\":\"Is it possible to buy a house without closing costs?\",\"answer\":\"If offered by your lender, you may be able to get a no closing cost mortgage where most of your closing costs are either rolled into the loan balance or paid by your lender in exchange for a higher interest rate. 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Power 2025 award information, visit ",{"type":107,"tag":143,"props":564,"children":567},{"href":565,"rel":566},"https://www.jdpower.com/business/awards",[220],[568],{"type":116,"value":569},"jdpower.com/awards",{"type":116,"value":225},{"title":7,"searchDepth":157,"depth":157,"links":572},[],{"_path":574,"_dir":84,"_draft":6,"_partial":6,"_locale":7,"slug":99,"content":575,"_id":576,"_type":78,"title":577,"_source":80,"_file":578,"_extension":78},"/disclosures/default","This page provides general information regarding mortgages or home equity lines of credit. Citi's offerings and lending guidelines may be different. This content is for educational purposes. It is not intended to provide legal, investment, tax, or financial advice and is not a substitute for professional advice. For advice about your specific circumstances, you should consult a mortgage professional and refer to the information and disclosures provided to you by the lender you choose regarding its products and services.\n\nTerms, conditions and fees for accounts, programs, products and services are subject to change without notice. This is not a commitment to lend. All loans and offers are subject to standard underwriting guidelines and required conditions. This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S. Certain restrictions may apply on all programs.","content:disclosures:default.json","Default","disclosures/default.json",{"_path":580,"_dir":84,"_draft":6,"_partial":6,"_locale":7,"content":581,"slug":582,"_id":583,"_type":78,"title":584,"_source":80,"_file":585,"_extension":78},"/disclosures/spanish-language-disclosure","\u003Csup>†\u003C/sup>Please be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.\n\n\u003Cspan lang=\"es\">Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían estar únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta. Si necesita ayuda en un idioma distinto al inglés, por favor, comuníquese con nosotros, ya que tenemos servicios de idiomas que podrían serle útiles.\u003C/span>","spanish-language-disclosure","content:disclosures:spanish-language-disclosure.json","Spanish Language Disclosure","disclosures/spanish-language-disclosure.json",{"data":587,"body":589,"toc":600},{"title":7,"description":588},"This page provides general information regarding mortgages or home equity lines of credit. Citi's offerings and lending guidelines may be different. This content is for educational purposes. It is not intended to provide legal, investment, tax, or financial advice and is not a substitute for professional advice. For advice about your specific circumstances, you should consult a mortgage professional and refer to the information and disclosures provided to you by the lender you choose regarding its products and services.",{"type":104,"children":590},[591,595],{"type":107,"tag":108,"props":592,"children":593},{},[594],{"type":116,"value":588},{"type":107,"tag":108,"props":596,"children":597},{},[598],{"type":116,"value":599},"Terms, conditions and fees for accounts, programs, products and services are subject to change without notice. This is not a commitment to lend. All loans and offers are subject to standard underwriting guidelines and required conditions. This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S. Certain restrictions may apply on all programs.",{"title":7,"searchDepth":157,"depth":157,"links":601},[],{"data":603,"body":605,"toc":628},{"title":7,"description":604},"†Please be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.",{"type":104,"children":606},[607,618],{"type":107,"tag":108,"props":608,"children":609},{},[610,616],{"type":107,"tag":611,"props":612,"children":613},"sup",{},[614],{"type":116,"value":615},"†",{"type":116,"value":617},"Please be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.",{"type":107,"tag":108,"props":619,"children":620},{},[621],{"type":107,"tag":622,"props":623,"children":625},"span",{"lang":624},"es",[626],{"type":116,"value":627},"Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían estar únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta. Si necesita ayuda en un idioma distinto al inglés, por favor, comuníquese con nosotros, ya que tenemos servicios de idiomas que podrían serle útiles.",{"title":7,"searchDepth":157,"depth":157,"links":629},[],{"data":631,"body":633,"excerpt":-1,"toc":639},{"title":7,"description":632},"Lower upfront cash requirement",{"type":104,"children":634},[635],{"type":107,"tag":108,"props":636,"children":637},{},[638],{"type":116,"value":632},{"title":7,"searchDepth":157,"depth":157,"links":640},[],{"data":642,"body":644,"excerpt":-1,"toc":650},{"title":7,"description":643},"Potentially higher monthly payments due to higher interest rate or loan amount",{"type":104,"children":645},[646],{"type":107,"tag":108,"props":647,"children":648},{},[649],{"type":116,"value":643},{"title":7,"searchDepth":157,"depth":157,"links":651},[],{"data":653,"body":655,"excerpt":-1,"toc":661},{"title":7,"description":654},"More cash available for moving, renovations and emergency reserves",{"type":104,"children":656},[657],{"type":107,"tag":108,"props":658,"children":659},{},[660],{"type":116,"value":654},{"title":7,"searchDepth":157,"depth":157,"links":662},[],{"data":664,"body":666,"excerpt":-1,"toc":672},{"title":7,"description":665},"You may pay more in total interest over the life of the loan",{"type":104,"children":667},[668],{"type":107,"tag":108,"props":669,"children":670},{},[671],{"type":116,"value":665},{"title":7,"searchDepth":157,"depth":157,"links":673},[],{"data":675,"body":677,"excerpt":-1,"toc":683},{"title":7,"description":676},"May help you save money upfront when refinancing",{"type":104,"children":678},[679],{"type":107,"tag":108,"props":680,"children":681},{},[682],{"type":116,"value":676},{"title":7,"searchDepth":157,"depth":157,"links":684},[],{"data":686,"body":688,"excerpt":-1,"toc":694},{"title":7,"description":687},"If you keep the loan long-term, paying closing costs upfront is often cheaper overall",{"type":104,"children":689},[690],{"type":107,"tag":108,"props":691,"children":692},{},[693],{"type":116,"value":687},{"title":7,"searchDepth":157,"depth":157,"links":695},[],{"data":697,"body":699,"excerpt":-1,"toc":705},{"title":7,"description":698},"Helpful flexibility if you expect to move or refinance again in a few years",{"type":104,"children":700},[701],{"type":107,"tag":108,"props":702,"children":703},{},[704],{"type":116,"value":698},{"title":7,"searchDepth":157,"depth":157,"links":706},[],{"data":708,"body":710,"excerpt":-1,"toc":716},{"title":7,"description":709},"Some costs, especially prepaids like taxes and insurance, may still be due at closing",{"type":104,"children":711},[712],{"type":107,"tag":108,"props":713,"children":714},{},[715],{"type":116,"value":709},{"title":7,"searchDepth":157,"depth":157,"links":717},[],[],1783618673461]