Community ONE Relaunch: Making Homeownership Accessible in All 50 States

Blog posted On November 20, 2025

What’s that in the sky? A bird? Or a plane? NO! It’s Community ONE, relaunching across all 50 states. Community ONE is our affordable home loan program designed to help qualifying home buyers get into a home with a smaller down payment and more flexible options. Whether you’ve been saving for years or just getting started, Community ONE is built to help make homeownership more within reach for low-to-moderate-income buyers.

What’s Staying the Same?

• Down payments as low as 1%
• CMG contributes up to 2% of the purchase price, up to $6,000, to help with your down payment or closing costs
• Available to buyers earning up to 80% of the Area Median Income (AMI)
• For primary residences only
• Applies to conventional 30-year fixed-rate purchases
• 95-97% LTV
• Available for 1–4 unit homes

What’s Changed?

As part of the relaunch, Community ONE is now even more focused and streamlined:

• Now available in all 50 states!
• Available only for Freddie Mac Home Possible®, a low-down-payment mortgage option that lets qualifying buyers put as little as 3% down
• It can no longer be combined with HomeFundIt™, BorrowSmart^SM, or any Fannie Mae products

Benefits of Community ONE

Beyond the program features, here’s what Community ONE can help you achieve as a home buyer:

• Drastically reduces upfront costs, making it easier to purchase a home
• Provides a stable alternative to rising rents
• Helps you start building home equity from day one
• Creates an opportunity to build long-term, generational wealth through homeownership

Ready to soar into homeownership with the help of the new and improved Community ONE program? Now available nationwide, Community ONE has boosted accessibility for future homeowners across all 50 states. Explore your options today and discover how we can help turn your dream of owning a home into a reality.