Grow Financial Federal Credit Union

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April 8, 2026

100% Financing Home Loan

A person stands in a modern home office holding a blue mug, with shelves, a desk, and plants in the background. A bright green graphic on the right displays the text “100% Financing Mortgage.”

Does saving for a down payment feel like a major hurdle on your path to homeownership? You’re not alone. For many first-time homebuyers, coming up with a large down payment can delay their dream of owning a home. That’s why we’re here to help.With our 100% Financing Mortgage, you only need to contribute 1% toward the down payment or closing costs.* That means you can move into your home sooner and start building equity right away.

Get total financing at competitive rates.

Buying a home is one of the biggest financial decisions you’ll ever make, and we want to make it as accessible as possible. Our 100% Financing Mortgage is designed specifically for first-time homebuyers and offers:

  • No large upfront down payment – Just save a 1% contribution toward closing costs, inspections or appraisals
  • Competitive market rates – Get a great mortgage rate that fits your budget
  • Flexibility in home choice – Available for single-family homes up to $726,200
  • Support every step of the way – Professional assistance from our Real Estate Loan Officers

Ready to own your home?

Homeownership is within reach, and we’re here to help make it happen. Overcome the down payment barrier with the 100% Financing Mortgage. Find out if it’s the right fit for you!

Contact Us to Learn More

*Subject to credit approval. Certain restrictions apply. 100% financing is not available for Home Equity Loans or refinances. Private mortgage insurance required. 100% financing of verified property value at time of financing. Borrower must make a 1% contribution to down payment or closing costs for such items as inspections, appraisals, title insurance etc. Gift funds allowed.
Grow Financial mortgage loans are valid for the purchase or refinance of owner-occupied residential properties in the states of Florida, South Carolina, North Carolina, Georgia, Alabama and Tennessee including single-family detached, condominiums and townhomes. Not valid for the purchase of investment properties. Grow Financial mortgage loan rates are updated daily and available at growfinancial.org.

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