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AgFed ARM Closing Cost Special: AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available. | HomeBase
The credit is available only with an AgFed 5/1, 7/1, or 10/1 adjustable-rate mortgage.
Maximum loan-to-value is 80% generally or 90% for a first-time buyer, whom AgFed defines as someone who has not owned property in the last three years.
Other requirements and exceptions still need checking below.
Program maximum, not a promised award
Up to $3,500
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
Grant
Coverage not confirmed
Purchase, residence and work requirements may differ. Review the coverage explanation and confirm your property address with the provider.
Check current funding before making plans.
A participating provider can confirm availability. No funds are reserved here.
Funding limited at last check
Confirm the current terms and whether applications are being accepted.
See which household details and program rules still need checking. No account needed.
Sign in or create an account to compare this program with your saved profile.
Location rule and boundary evidence
Where the reviewed rules apply
No buyer address is selected. These maps do not establish financial eligibility, funding availability, or property approval.
No current, human-approved coverage policy is available. Imported location labels and provider offices are not proof of coverage.
What would paying it back look like?
AgFed pays the eligible closing costs as a lender credit; it is not cash to you and the published offer states no repayment obligation.
These terms describe the assistance. Any mortgage used to buy the home has its own repayment terms. Check the provider's documents before accepting an offer.
Could this be a fit for me?
Start with the recorded requirements. Unknown information stays unknown; the program makes the final decision.
A program-specific household income table has not been confirmed here. Do not assume that there is no income limit.
Who can apply
About you
The credit is available only with an AgFed 5/1, 7/1, or 10/1 adjustable-rate mortgage.
AgFed membership is required. Anyone who lives, works, worships, or attends school in Washington, DC, and their family members can qualify for membership; employer, association, contractor, and family or household routes also exist.
AgFed does not publish an income ceiling, minimum credit score, or fixed expiration date for this offer.
The home
Maximum loan-to-value is 80% generally or 90% for a first-time buyer, whom AgFed defines as someone who has not owned property in the last three years.
The property must be owner-occupied; investment and non-owner-occupied properties are excluded.
The property may be in any U.S. state or the District of Columbia except Hawaii and Texas.
The program makes the final eligibility decision.
Conditions
You must qualify for AgFed membership, use an eligible AgFed 5/1, 7/1, or 10/1 adjustable-rate purchase mortgage, satisfy normal underwriting, and close while this temporary offer remains available.
Applications never run through HomeBase. This is not an eligibility decision. Published amounts are limits, not promised awards.
What can I combine this with?
Some programs can be combined, while others are alternatives or apply to different locations. These are questions to investigate, not a combined award. Never add benefit ceilings together without checking both programs’ rules.
Review possible combinations with AgFed ARM Closing Cost Special(12 to check)
Worth asking about(12)
No resolved current rule for this pair. Ask both administrators about eligibility, location, limits and required application order.
$10,000 employer-funded conditional grant toward an eligible owner-occupied Hartford purchase, with employer-specific occupancy, employment, geography, tax, and forgiveness rules.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Aetna — NINA Homeownership Incentive Program.
Can it be used on the same purchase as AgFed ARM Closing Cost Special (Agriculture Federal Credit Union (AgFed))?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Affinity members who buy or sell through an assigned HomeAdvantage network agent may receive a commission-funded cash reward.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Affinity HomeAdvantage Cash Rewards.
Can it be used on the same purchase as AgFed ARM Closing Cost Special (Agriculture Federal Credit Union (AgFed))?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Qualified first-time buyers may receive an Alliant Advantage adjustable-rate mortgage with no down payment and no PMI on loans up to $650,000.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Alliant Advantage Mortgage.
Can it be used on the same purchase as AgFed ARM Closing Cost Special (Agriculture Federal Credit Union (AgFed))?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Limited grant assistance for down payment and closing costs for a qualifying first-time buyer.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Andrews Federal FHLB First-Time Homebuyer Grant.
Can it be used on the same purchase as AgFed ARM Closing Cost Special (Agriculture Federal Credit Union (AgFed))?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Eligible first-time buyers can finance 100% of an eligible primary-home purchase with an 80% first mortgage and 20% piggyback second mortgage, avoiding a cash down payment and PMI.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at APG Federal Credit Union 80/20 Mortgage.
Can it be used on the same purchase as AgFed ARM Closing Cost Special (Agriculture Federal Credit Union (AgFed))?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A low- or no-down-payment first-time-buyer mortgage with up to 100% combined loan-to-value and reduced PMI.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Apple FCU First-Time Home Buyer Mortgage.
Can it be used on the same purchase as AgFed ARM Closing Cost Special (Agriculture Federal Credit Union (AgFed))?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
An Atlantic Union second-lien mortgage of up to 3% helps cover down payment and closing costs for an eligible primary-home purchase.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Atlantic Union Bank Closing the Gap Loan.
Can it be used on the same purchase as AgFed ARM Closing Cost Special (Agriculture Federal Credit Union (AgFed))?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A portfolio first mortgage for an eligible low- or moderate-income buyer or property, offering no mortgage insurance and up to 100% combined financing with the bank’s Closing the Gap second lien.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Atlantic Union Bank STAR Portfolio Loan Program.
Can it be used on the same purchase as AgFed ARM Closing Cost Special (Agriculture Federal Credit Union (AgFed))?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A nonrepayable Chase grant of up to $5,000 may cover points, closing costs or an interest-rate buydown on eligible DreaMaker, agency, FHA or VA purchase mortgages in qualifying census tracts.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Chase Homebuyer Grant.
Can it be used on the same purchase as AgFed ARM Closing Cost Special (Agriculture Federal Credit Union (AgFed))?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Second-mortgage down-payment assistance for qualifying borrowers through approved lenders, with repayable and forgivable FHA options generally offering 3.5% or 5%.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Chenoa Fund Down Payment Assistance.
Can it be used on the same purchase as AgFed ARM Closing Cost Special (Agriculture Federal Credit Union (AgFed))?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Up to $40,000 as a no-interest, three-year forgivable loan for down payment and closing costs on a habitable Hartford home.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at City of Hartford Employee Homebuyer Assistance Program (EHAP).
Can it be used on the same purchase as AgFed ARM Closing Cost Special (Agriculture Federal Credit Union (AgFed))?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Up to $20,000 through participating FHLBank Atlanta members for eligible public-service, military, veteran, and essential-worker homebuyers.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Community Partners Product.
Can it be used on the same purchase as AgFed ARM Closing Cost Special (Agriculture Federal Credit Union (AgFed))?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A cited pair rule does not establish that either program serves your property or that you qualify. Confirm current conditions with both administrators and your lender before counting on a combination.
Ask HomeBase to re-check AgFed ARM Closing Cost Special’s current funding, operation, and key terms. Requests help us prioritize the queue; only evidence changes the listing.
Sources
Learn more at source — Agriculture Federal Credit Union (Program administrator), captured October 24, 2026, checked October 24, 2026
Learn more at source — Agriculture Federal Credit Union (Program administrator), captured October 24, 2026, checked October 24, 2026
Learn more at source — Agriculture Federal Credit Union (Program administrator), captured October 24, 2026, checked October 24, 2026
