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A Key Community Mortgage can help make your dream of owning a home a reality. This program lets you take advantage of low down payment options, making qualifying easier than you might think.


Purchaser Qualification

Income and location based1

Loan to Value (LTV)

Up to 100%

Interest Rate


Down Payment

As low as 0%

Private Mortgage Insurance (PMI)

Not required2


  • Non-traditional credit history accepted
  • Up to 4% seller contribution allowed, and can be used for closing costs or prepaid items
  • No minimum loan amount
  • Available for one to two unit owner-occupied properties including single-family, attached or detached, condos and planned unit developments
  • A HUD-approved, pre-purchase homebuyer education workshop or relevant landlord counseling may be required before closing

Property must be located in a KeyBank Assessment Area. No income limitations if property is located in low or moderate income census tracts. For all other census tracts, income must be less than 80% of the Federal Financial Institutions Examination Council (FFIEC) Estimated MSA/MD Median Family Income. Completion of a HUD-approved prepurchase homebuyer education workshop may be required prior to closing. Landlord counseling may be required prior to closing on all two-unit transactions. Borrowers are not permitted to own any other real estate at the time of closing.


Applies to 1-unit property

NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. Information and offers are subject to change without notice. All loans are subject to credit and collateral approval. Not all loans or products are available in all states. NMLS#399797

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