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 Lender Paid Assistance; 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
Lender Paid Assistance
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- State restrictions
- Markets with Citibank branches and specific census tracts in Atlanta, Austin, Cambridge, Dallas, Denver, Houston and Philadelphia Metropolitan Statistical Areas.
- Property restrictions
- Primary residence; additional property, income and other eligibility requirements apply.
- Occupancy
- Primary residence
View full lender requirements
- State restrictions
- Markets with Citibank branches and specific census tracts in Atlanta, Austin, Cambridge, Dallas, Denver, Houston and Philadelphia Metropolitan Statistical Areas.
- Property restrictions
- Primary residence; additional property, income and other eligibility requirements apply.
- Occupancy
- Primary residence
- Other conditions
- The credit only can be applied to non-recurring closing costs, cannot be applied to interim interest and prepaid escrows, and cannot be used for any portion of the down payment. The borrower may not receive cash back at closing. The credit cannot be combined with any other Citi-provided incentive, offer or promotion. Lender Paid Assistance is only available on Purchase transactions.
Questions to confirm with the lender (13)
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
- Minimum down payment
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
Lender Paid Assistance
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Lender Paid Assistance
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- 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.