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Citi® HomeRun® Mortgage HomeRun® helps bring home within reach

The journey home is easier and more affordable with a Citi HomeRun mortgage. Buy or refinance with as little as 5% down, no PMI, flexbile credit guidelines and competitive rates in select markets. Get in touch to see if your home qualifies.

Or call 1-877-482-5614 Se habla español†

What's possible with a HomeRun® mortgage

  • With eligible gift funds and down payment programs you may contribute as little as 1%.

  • Save every month by taking private mortgage insurance (PMI) off the table.

  • Get predictable payments with a competitive interest rate compared to convetional loans.

  • No credit history? On-time rent, utility payments and steady income can play a role.

  • Get Lender Paid Assistance for primary homes in eligible areas with qualifying income.

  • Condos, co-ops, two units and single-family homes are eligible for home buying or refinancing.

  • As low as 3% down

    With eligible gift funds and down payment programs you may contribute as little as 1%.

  • No PMI needed

    Save every month by taking private mortgage insurance (PMI) off the table.

  • Lower fixed rates

    Get predictable payments with a competitive interest rate compared to convetional loans.

    Explore HomeRun® Rates

  • Flexible credit criteria

    No credit history? On-time rent, utility payments and steady income can play a role.

  • Up to $7,500 credit

    Get Lender Paid Assistance for primary homes in eligible areas with qualifying income.

  • Many homes welcome

    Condos, co-ops, two units and single-family homes are eligible for home buying or refinancing.

Score a competitive interest rate with HomeRun®

Get a side-by-side look at HomeRun® and conventional mortgage rates by selecting purchase or refinance and entering your details.

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Get HomeRun® plus help with closing costs

You may qualify for up to $7,500 in Lender Paid Assistance. Take a look at the requirements and talk with a Citi Specialist to learn more.

  • Buy a primary home

    Finance a home that you plan to live in as your primary residence.

  • Live in an eligible area

    Settle down in an area with Citi branches that accept deposits. Your income must be less than 120% of the area's median income, OR your home bust in a low-to-moderate-income census tract, as defined by the U.S. Census Bureau.

  • Take a home-buying class

    We'll help set you up for success with a required homeownership course from a Citi-approved housing counseling agency.

Let's talk abot your path forward with HomeRun®

A Citi specialist will reach out to discuss your options, or you can call us directly at 1-877-482-5614

Providing us your telephone number means you are providing express "written" consent for Citibank, N.A. and its authorized third parties calling on its behalf to contact you 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.

Citi HomeRun® FAQs

  • HomeRun® is designed to make homeownership more accessible by removing the roadblocks that buyers face. Qualified borrowers may be able to buy or refinance at a low rate with as little as 3% down, avoid private mortgage insurance (PMI), use eligible gift funds or down payment assistance and benefit from flexible credit guidelines that look beyond a credit score alone.

  • You may qualify for HomeRun® if you're buying or refinancing in an eligible Citi market, your debt-to-income ratio is 43% or less and your loan amount is no more than $832,750 (or $1,249,125 in certain high-cost areas). If you’re buying outside an eligible Citi market, your income must not exceed 120% of the median income for that area. Speak to a Citi Specialist to see if you qualify and determine if HomeRun® is your best option.

  • HomeRun® can be used to buy or refinance single-family homes, condos, co-ops and two-unit properties. Financing is available across a wide range of home prices, with higher loan limits available in certain high-cost markets.

  • HomeRun® is built with flexibility in mind. Qualified buyers may be able to purchase a home with as little as 5% down, and in some cases, their own contribution can be as little as 1%, with the remainder coming from eligible gift funds, grants or down payment assistance programs. Citi also looks at your overall financial picture and factors like employment history, on-time payments and a debt-to-income ratio of up to 43%.

  • HomeRun® borrowers must complete a home-buyer education course through a Citi-approved housing counseling agency before closing, and buyers of two-unit properties must also complete landlord training. Because other eligibility requirements vary by market, speak with a Citi Specialist to understand your options and determine whether HomeRun® is right for you.

    • For single-family homes, as little as 3% down is needed with loan amounts up to $832,750 or up to $1,249,125 in high-cost markets. Certain higher cost areas require as little as 5% down for loans up to $1,249,125. In some cases, your own contribution can be as little as 1%, with the remainder coming from eligible gift funds or other sources.
    • For condos and co-ops, as little as 3% down is needed to finance a condo or co-op. Maximum loan amounts are generally $832,750, with limits up to $1,249,125 in certain high-cost markets.
    • For two-unit properties, as little as 5% down from the borrower’s own funds and the remainder from other eligible sources. Two-unit homes are eligible for 89.99% financing with loans up to $1,066,250, or 85% financing with loans up to $1,599,375 in certain high-cost markets. In addition to home buyer education, borrowers purchasing a two-unit property must complete landlord training from a Citi-approved community agency prior to closing.

    • Buy a home you’ll live in. You must be buying a home that will be used as your primary residence.
    • Within a Citi Assessment Area (an area where we have Citi branch locations and accept deposits). 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.
    • 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.
    • Lender Paid Assistance is a non-repayable lender credit that will be first applied to eligible closing costs. Any remaining funds can be used to buy down the rate. Up to a maximum of $7,500 is available on the purchase of a primary residence in markets with Citibank branches, and is subject to additional property, income and other eligibility requirements. The credit only can be applied to non-recurring closing costs, cannot be applied to interim interest and prepaid escrows, and cannot be used for any portion of the down payment. The borrower may not receive cash back at closing. The credit cannot be combined with any other Citi provided incentive, offer or promotion. Lender Paid Assistance is only available on Purchase transactions.