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ONE Mortgage Program

How Process Works

About ONE+ Program

Struggling with the down payment? At USA Loans, we help first-time homebuyers access programs like the ONE Mortgage Program, making it possible to buy a home with as little as 1% down — plus 2% in additional assistance to get you to 3% equity from day one.

Check If You Qualify

Buy your first home with just 1% down!

The ONE Mortgage Program is designed to help first-time buyers become homeowners without the burden of a large down payment. Fill out the form below to find out if you qualify — it only takes a minute!

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More About ONE+ Loan

What Is the ONE Mortgage Program?

The ONE Mortgage Program is designed to make homeownership more affordable for first-time buyers. With just 1% down, and up to 2% covered through assistance, you can buy a primary home with a 30-year fixed-rate mortgage and lower monthly payments.

Get Started!

Only 1% Down Payment

Buy your first home with just 1% down. An additional 2% is covered by the program’s partner investor — helping you reach the 3% requirement with less out-of-pocket.

Fixed 30-Year Mortgage

Enjoy a stable monthly payment with a 30-year fixed-rate mortgage designed to keep things predictable and affordable over time.

Income-Based Eligibility

Available to first-time homebuyers with income less than or equal to 80% of the Area Median Income (AMI). We'll help you check if you qualify.

Credit-Friendly Requirements

Minimum credit score of 620. More accessible than most conventional loans and ideal for buyers building their credit profile.

Eligible Properties

Applicable to one-unit primary residences — including approved condos, PUDs, and manufactured homes.

Use Gifts or Grants

Gift funds or grants can cover your 1% down payment, making it possible to purchase with no money from your pocket.

Check if you qualify!

See What Our Clients Say

The best way to understand our impact is through the voices of our clients. Here’s what new homeowners have to say about working with USA Loans.

I never thought I’d qualify for a mortgage with such a low down payment. Thanks to the ONE+ Program, I bought a home with only 1% down and got expert support from the USA Loans team. They explained everything in simple terms and made me feel confident in every decision.
Marcos
MarcosONE Mortgage Program
Buying a house with just 1% down felt too good to be true — but USA Loans made it real. As a first-time homebuyer, I had so many questions, and they guided me through every step. The ONE+ Program made owning my home possible without draining my savings.
Jazmin
JazminONE Mortgage Program
The ONE+ Program was the game-changer I needed. With home prices going up, saving 20% down just wasn’t realistic. But with this affordable home loan and the help of USA Loans, I moved into my first home faster than I imagined. Highly recommend it to anyone starting out.
Mario
MarioONE Mortgage Program

FAQ's

  • The ONE+ Mortgage Program can be a better fit than an FHA loan for some first-time buyers, especially those looking to minimize their out-of-pocket costs. Unlike FHA loans, which require a minimum 3.5% down payment and include upfront and monthly mortgage insurance, the ONE+ Program offers a 1% down option with potentially lower monthly payments. However, the best option depends on your credit score, income, and long-term goals—our loan advisors can help you compare both.

  • The home must be your primary residence, meaning you’re expected to live in it full time. There isn’t a fixed number of years you must stay, but if you move out too soon or rent the property, you may violate loan terms. Most lenders recommend living in the home for at least a few years to benefit fully from the program.

  • If you’re worried about covering closing costs, you’re not alone—many first-time buyers are in the same situation. While the ONE+ Program helps with the down payment, some buyers may also qualify for additional assistance for closing costs depending on the state, city, or local programs. We’ll help you explore all available options to reduce or cover these expenses.

  • Closing times vary, but on average, buyers using the ONE+ Program can close in 30 to 45 days. The exact timeline depends on how quickly documents are submitted and how complex the transaction is. Our team streamlines the process to help you move into your new home as soon as possible.