Equal Housing Opportunity
Earned Equity
Am I home ready?

For buyers · 4 of 8

Requirements

Every published standard, with the section it comes from.

In ten seconds

  • Self-employed? 3 months of bank statements can be enough.
  • 3.5% of the price saved for the down payment.
  • 580 credit is the standard. ITIN and DACA are accepted.

3.5%

of the price is the minimum down payment. Closing costs are on top; your loan officer gives you the exact amount.

Am I home ready?

Six quick questions to see where you stand today.

Open the tool
Good news! You look ready for the next step.
You may be ready for the next step.
Not quite ready yet, but there is a plan.

Are you a loan officer, agent, or lender? See the full detail →

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Every application goes to an EEP-certified loan originator.