Citibank · Bank
Citibank
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: All loans subject to credit and property approval. HomeRun and assistance have separate market, income and property restrictions. Complete state-level mortgage coverage is not explicitly stated. Application entry requires registration.
At a glance
- Property use
- Primary residence
Still to confirm: Borrower type, Credit requirement, Reserves.
Our take: Pros & Cons
What we like
- HomeRun® offers eligible primary-residence borrowers fixed-rate purchase and rate/term refinance financing with no mortgage insurance.
- HomeRun® offers as little as 3% down for qualifying single-family homes, condos and co-ops, subject to loan size, project and credit-pathway restrictions.
- Eligible purchase borrowers may receive up to $7,500 of Lender Paid Assistance in specified markets, subject to income and property restrictions.
What to consider
- HomeRun® is available in markets with Citibank branches and has income, property, loan-size and other restrictions.
- HomeRun® non-traditional credit requires 5% down on conforming loans and is not permitted above conforming limits; cash-out refinance is unavailable.
- Purchase and refinance rates are temporarily unavailable online; request current pricing from Citi.
AI-generated lender-level assessment based on published information. Not a verified assessment of HomeRun® Mortgage; confirm program-specific conditions below.
Additional lender considerations
- Eligible Citi balances and automatic payments may qualify for a rate discount or closing-cost credit.
- Assistance is limited to eligible primary-residence purchases, eligible nonrecurring closing costs and specified markets; it cannot fund down payment or provide cash back.
- SSN, ITIN, visa, foreign-credit and foreign-income eligibility and a numeric minimum credit score require lender confirmation.
Newcomer requirements
HomeRun® Mortgage
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Foreign / alternative credit pathway
- Non-traditional credit on conforming loan sizes requires 5% down payment. Non-traditional credit is not permitted on loans exceeding conforming loan limits.
- Minimum down payment
- 3%
- Income documentation
- Homeownership education and counseling; two-unit borrowers also need landlord training from a Citi-approved community agency before closing.
- State restrictions
- HomeRun® is available in markets with Citibank branches for loans on the primary residence of borrowers who qualify, and is also subject to income, property, product and other restrictions.
- Property restrictions
- Published conditions apply. Read the full lender requirements below before applying.
- Occupancy
- Primary residence
View full lender requirements
- Foreign / alternative credit pathway
- Non-traditional credit on conforming loan sizes requires 5% down payment. Non-traditional credit is not permitted on loans exceeding conforming loan limits.
- Minimum down payment
- 3%
- Income documentation
- Homeownership education and counseling; two-unit borrowers also need landlord training from a Citi-approved community agency before closing.
- State restrictions
- HomeRun® is available in markets with Citibank branches for loans on the primary residence of borrowers who qualify, and is also subject to income, property, product and other restrictions.
- Property restrictions
- To be eligible for up to 97% financing, the property must be a single-family home (including condos, co-ops and planned unit development) with a loan amount up to $832,750. Certain condo and co-op projects may be subject to lower LTVs. Single-family homes in certain high-cost markets with loan amounts between $832,751 and $1,249,125 are eligible for up to 95% financing. Non-traditional credit on conforming loan sizes requires 5% down payment. Non-traditional credit is not permitted on loans exceeding conforming loan limits. Two-unit properties are eligible for 89.99% financing with loan amounts up to $1,066,250, or 85% up to $1,599,375 in certain high-cost markets.
- Occupancy
- Primary residence
- Other conditions
- Subject to credit and property approval, income and product restrictions; cannot combine with another mortgage offer; no cash-out refinance.
Questions to confirm with the lender (11)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
HomeRun® Mortgage
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
HomeRun® Mortgage
- Homeownership education and counseling; two-unit borrowers also need landlord training from a Citi-approved community agency before closing.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Citibank home purchase and refinance mortgages, including HomeRun® low-down-payment financing for eligible primary residences and conditional closing-cost assistance and relationship pricing.
Legal lender: Citibank, N.A.
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 412915
More lender directory information
Parent: Citigroup Inc.. Former names: Not stated.
Direct application information ↗
All loans subject to credit and property approval. HomeRun and assistance have separate market, income and property restrictions. Complete state-level mortgage coverage is not explicitly stated. Application entry requires registration.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 26, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.