No to Low Down Payment Programs

Affordable Options to Help You Move into Your New Home Sooner

Affordable Paths to Homeownership

A big down payment isn’t the only path to homeownership. Civista partners with trusted government and specialty programs to make buying a home more accessible—whether you're a first-time buyer, a veteran, or purchasing in a qualifying area.

Our experienced mortgage lenders will help you find the option that fits your budget, goals, and homebuying timeline.

Programs We Offer:

FHA Loan

An FHA loan is insured by the Federal Housing Authority.
Down payments as low as 3.5%.
Gift money and grants may fund your down payment.
FHA Mortgage Insurance is required through the life of the loan. The premium is calculated based on the loan amount.

VA Loan

A VA loan is backed by the Veterans Administration to help veterans and their families purchase a home outside of conventional mortgage standards.
No down payment required as long as the sale price doesn’t exceed the appraised value.
Review Certificate of Eligibility requirements for service members, veterans, spouses and other eligible beneficiaries.
Private Mortgage Insurance is not required.

USDA Loan

USDA Guaranteed Loans are backed by the United States Department of Agriculture and are designed for eligible rural and suburban homebuyers.
Low rates with zero down payment requirement.
Income limits vary by location. Learn more about USDA loan eligibility or contact a Civista Mortgage lender near you.

HomeReady^® Mortgage

Down Payment as low as 3% of the home's purchase price.
No minimum borrower contribution toward down payment. Funds can come entirely from other sources (gifts and other assistance programs).
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.

What Civista Does for You

We help make the process straightforward from start to finish
Recommend the program that best matches your financial situation

Get Your First-Time Homebuyer’s Guide for More Tips and Resources to Help with Your Journey to Homeownership

At Civista, mortgages are personal. We live and work in the same communities as you, and we’re invested in helping you succeed. No matter where you are in your homeownership journey, you’ll find a lender who listens, cares, and works to find the best solution for your future.

Apply Now