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Homebuyer Assistance

Getting you there.

Saving for a down payment is big undertaking and often a major hurdle to buying a house.  That’s why Civista is committed to using our extensive mortgage expertise and resources to help buying a home a reality. A champion of responsible homeownership, our team supports a variety of specialty programs that promote affordability and flexibility for both returning and first-time homebuyers.








No to low down payment programs

Offer low down payment options and down payment assistance can come from gifts or grants.

  • FHA
  • VA
  • USDA
  • HomeReady®

Homebuyer Grants

Civista is pleased to annually offer grants through the Federal Home Loan Bank of Cincinnati’s Welcome Home Loan Program.  Funds are limited and offered on a first-come, first-served basis. 

Although applications for the 2018 program grants have closed, Contact a Civista Mortgage Specialist to learn more about household income limits and other eligibility requirement for the Welcome Home Loan program grants.


  • 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.
  • 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 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.
  • 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.























Meet Our Mortgage Team








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All loans are subject to credit approval as well as specific program requirements and guidelines.

HomeReady® is a trademark of Fannie Mae.