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3% Down Payment Mortgage Loans

Mortgages & Home Loans

Buy your home with just 3% down.1 We’ll cover the other 97% now, and you’ll pay it off with fixed monthly payments you can handle over the years.

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Product Details

  • Fixed-rate conventional home loan
  • Finance up to 97% of the purchase price/appraised value, whichever is less
  • Down payment may come from gift funds.*
  • Seller can pay up to 3% of closing costs.


1A $200,000 purchase price with $6,000 (3%) down payment and $194,000 financed at 7.625% fixed rate with 7.833% annual percentage rate would result in a monthly payment of $1373.12 for 360 months. Sample payment only includes principal and interest. Other restrictions may apply, for full details speak with a Credit Union of America (CUA) loan officer. As of 10/13/2023.

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Making loan payments at CUA is easy with several convenient, flexible payment options, including both electronic and physical forms of payment.

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