Owning your first home isn’t just a dream

Make it real! First-time home buyers get up to $5,250* in down payment assistance.

Homeownership is a fun adventure. Designing your perfect abode, discovering the community you call home, developing home equity – it can all be yours with CCM Smart Start!

CCM Smart Start loan program for first time home buyers covers up to $5,250 of your down payment so you can buy your first home. You could have no down payment on your next home purchase. That means less stress today and more money to build your future.

CCM Smart Start First Time Home Buyers Loan Program
 CCM Smart Start Down Payment Assistance

Set the wheels in motion

Eligibility requirements

  • At least one occupying borrower must be a first-time homebuyer
  • Must be at or below 80% of the County Area Median Income (AMI)

Frequently asked questions

For more resources on homeownership, visit out Tips for First Time Home Buyers.

*Borrowers below 50% AMI qualify up to $5,250. Borrowers 51-80% AMI qualify up to $4,000.

TERMS & CONDITIONS: CrossCountry Mortgage LLC will contribute 2% down (up to $5,250) towards a 3% down payment. Homebuyer is responsible for the remaining 1% of the down payment. This offer is available for the purchase of a primary residence only. Offer valid for home buyers when qualifying income is less than or equal to 80% area median income based on county where property is located. At least one occupying borrower must be a first-time homebuyer. Rate must be locked on or after 6/20/2023. Not available with any other discounts or promotions. Not available for customers with greater than 50% AMI in the following MSAs: Miami, FL, Atlanta, GA, Chicago, IL, Detroit, MI, St. Louis, MO, Philadelphia, PA, Memphis, TN, El Paso, TX, Houston, TX, McAllen, TX. Offer cannot be retroactively applied to previously closed loans or loans that have a locked rate. This is not a commitment to lend. CrossCountry Mortgage, LLC has the right to accept, decline, or limit the use of any discount or offer. Acceptance of this offer constitutes the acceptance of these terms and conditions, which are subject to change without notice. Additional conditions may apply.

Get up to $5,250 for your first home – on us!