CCM Smart Start Down Payment Assistance Program
First-time homebuyers get up to $5,250*
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 homebuyers 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 eligibility
- At least one occupying borrower must be a first-time homebuyer
- Must be at or below 80% of the County Area Median Income (AMI)
CCM Smart Start: Frequently asked questions
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We provide first time homebuyers with down payment assistance worth 2% of the home purchase price – up to a maximum of $5,250 – to remove or reduce your down payment.
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Nope! CCM Smart Start is a nationwide program giving buyers a boost in all 50 states.
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No. There’s no repayment requirement with CCM Smart Start.
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Yes. You can contribute up to an additional 3% to save on your monthly mortgage payment.
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Yes. CCM Smart Start loan program allows for 3-2-1, 2-1, and 1-1 temporary rate buydowns to help make homeownership a little easier early into your loan.
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Yes! Our CCM Community Promise program provides $6,500 in down payment assistance to first–time homebuyers who live in qualifying neighborhoods in select cities.
First-time homebuyer tools
*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 homebuyers 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!