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Government and No-to-Low Down Payment Programs

Mortgage options designed to reduce upfront costs and make homeownership more accessible for qualified buyers.

Expanding Access to Homeownership

Civista partners with trusted government-backed and specialty mortgage programs to help more neighbors access affordable financing. These programs offer flexible terms and reduced upfront requirements, helping simplify the path to homeownership for qualified buyers.

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Programs

Explore your options below and contact a mortgage lender to confirm your eligibility.
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FHA Loans

An FHA Loan is insured by the Federal Housing Administration, which allows banks to offer more favorable terms to first-time and repeat buyers.

  • Down payments as low as 3.5%.
  • Gift money and grants can be used to fund your down payment.
  • This loan requires FHA Mortgage Insurance to be held throughout the life of the loan, with flexible premiums determined by the total loan amount.
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VA Loans

A VA Loan is backed by the Veterans Administration, helping those who served our country qualify under VA-specific underwriting guidelines and secure affordable housing.

  • Mortgage Insurance is not required.
  • Down payments are not required, as long as the sale price of the house does not exceed its appraised value.
  • Review your eligibility as an active service member, veteran, spouse, or other beneficiary here.
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USDA Loans

Backed by the United States Department of Agriculture, these loans are specifically crafted to assist homebuyers in eligible rural and suburban areas.

  • No down payment required.
  • Significant rate reductions for eligible applicants.
  • Income limits determine rates and vary based on location.
  • Review your eligibility here.
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HomeReadyⓇ Mortgage

These loans are designed to support qualified low- to moderate-income borrowers.

  • Down payments as low as 3.0%.
  • No minimum borrower contribution toward down payment.
  • Allows for co-borrowers (like parents) who do not live on the property with you.
  • Income from extended family living with you may be considered in loan qualification.
  • A required homeowner education course prepares you for the ongoing responsibilities and costs of homeownership.
  • No income limits for properties in low-income neighborhoods.
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Community View Home Loan

A flexible program designed to support first-time buyers with modest incomes and households purchasing in low-to-moderate income neighborhoods.

  • Up to 100% financing with fixed-rate terms — no down payment required for eligible buyers.
  • No private mortgage insurance (PMI) required, helping reduce monthly costs.
  • $5,000 down payment grant available for eligible borrowers and properties (income and property guidelines apply).
  • Civista helps cover the cost of required homebuyer counseling sessions.
  • Flexible underwriting, including debt-to-income ratios up to 50% and accommodations for limited credit history.

Local Expertise, Personal Support

We live and work in the same communities as you, and we’re invested in helping you navigate your options with clarity. Wherever you are in your homeownership journey, you’ll work with a lender who listens carefully and helps identify options that fit your needs.
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