Simple. Flexible. Built for First‑Time Buyers.

Buying your first home shouldn’t feel complicated. The Freddie Mac HomeOne® program is designed to remove common barriers and make homeownership more accessible without strict income limits or complex qualification hurdles.

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Why They’re Useful 

HomeOne® solves one of the biggest challenges first‑time buyers face: earning too much for traditional assistance programs but not enough to comfortably put 5–20% down. With a low down payment, no income caps, and a streamlined structure, this program creates more “yes” opportunities while keeping the process simple and predictable.

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Key Highlights​

• 3% down payment

• No income limits

• Simplified qualification process

• Standard mortgage insurance coverage

 

Program Snapshot

• Loan Type: Conventional (Freddie Mac)

• Down Payment: As low as 3%

• Income Limits: None

• Occupancy: Primary residence

• Rates: Fixed‑rate only

• Education: First‑time buyer course required

 

When to Use

First‑time buyers who exceed income limits on other “affordable” programs but still need a low down payment solution.