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Smaller down payments. Lower closing costs.

Today is your day to get into the market—with as little as 3%1 down and $5002 towards closing.

Let us put a little more care in your corner.

Bob Watkins

678-698-4150
robert.b.watkins@truist.com
NMLSR #544520

David Woods

770-292-0850
david.woods@truist.com
NMLSR #1124229

Marcy A. Quijada

706-618-7671
marcy.quijada@truist.com
NMLSR #1131336

Mouhammadou Khouma

470-469-5862
mouhammadou.khouma@truist.com
NMLSR #2164653

Paul Harvey

404-219-2425
paul.harvey@truist.com
NMLSR #658877

Learn how much you can afford.3

This calculator is made available by one or more third party service providers. It is not intended to be an advertisement for a product or service at any of the terms used herein. It is not intended to offer any tax, legal, financial or investment advice. All examples are hypothetical and are for illustrative purposes. Truist Financial Corporation ("Truist") and its affiliates do not provide legal or tax advice. Truist cannot guarantee that the information provided is accurate, complete, or timely. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pre- and/or after-tax investment results. Truist makes no warranties with regard to this calculator or the results obtained by its use. Truist disclaims any liability arising out of your use of, or any tax position taken in reliance on, this calculator. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Current mortgage rates

Plan your next move with today's rates.

See a rate that works for you? Mortgage rates can change tomorrow, so start your application now to lock it in.

Down payment assistance

Find down payment grants and assistance.

Check some of your options to make buying a home more affordable, then talk to a professional to see if you qualify.4

Resources for homebuyers

Buying a home doesn’t have to be so demanding. Raise your mortgage IQ with helpful advice and explanations of topics you’ll encounter along the way.

First-time homebuyer 3 steps to a stress-free mortgage

Preparing for a mortgage doesn't have to be overwhelming. Here's what you need to know to ease your journey.

Preparing for a mortgage doesn't have to be overwhelming. Here's what you need to know to ease your journey.
06/30/2023
Article
06/30/2023
3 steps to a stress-free mortgage

First-time homebuyer 3 steps to a stress-free mortgage

Preparing for a mortgage doesn't have to be overwhelming. Here's what you need to know to ease your journey.

3 steps to a stress-free mortgage

Preparing for a mortgage doesn't have to be overwhelming. Here's what you need to know to ease your journey.

Preparing for a mortgage doesn't have to be overwhelming. Here's what you need to know to ease your journey.
06/30/2023
Article
06/30/2023
3 steps to a stress-free mortgage

First-time homebuyer Do I need 20% down to buy a home?

When it comes to a down payment on a home, you may have more options than you think.

When it comes to a down payment on a home, you may have more options than you think.
06/30/2023
Article
06/30/2023
Do I need 20% down to buy a home?

First-time homebuyer Do I need 20% down to buy a home?

When it comes to a down payment on a home, you may have more options than you think.

Do I need 20% down to buy a home?

When it comes to a down payment on a home, you may have more options than you think.

When it comes to a down payment on a home, you may have more options than you think.
06/30/2023
Article
06/30/2023
Do I need 20% down to buy a home?

First-time homebuyer What does a preapproval letter tell you?

Getting preapproved is key to a smooth homebuying experience.

Getting preapproved is key to a smooth homebuying experience.
06/30/2023
Article
06/30/2023
What does a preapproval letter tell you?

First-time homebuyer What does a preapproval letter tell you?

Getting preapproved is key to a smooth homebuying experience.

What does a preapproval letter tell you?

Getting preapproved is key to a smooth homebuying experience.

Getting preapproved is key to a smooth homebuying experience.
06/30/2023
Article
06/30/2023
What does a preapproval letter tell you?
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    1 Certain program and geographic restrictions may apply, ask your loan officer for details.

    2 Other restrictions may apply and subject to credit approval. Offer valid on most new mortgage applications received and completed between October 11, 2022 to March 31, 2023. An application submitted through the Truist Online Mortgage Application portal is not completed until you speak with a mortgage loan officer. Lender credit of $500 applied toward closing costs on a Truist mortgage. Loans offered in combination with the Truist Mortgage Grant or Second Trust are not eligible.

    3 If the loan amount is more than 80% of the home’s purchase price, the calculator will also estimate a monthly amount for private mortgage insurance (PMI).

    This calculator is made available by one or more third-party service providers. It is not intended to be an advertisement for a product or service at any of the terms used herein. It is not intended to offer any tax, legal, financial or investment advice. All examples are hypothetical and are for illustrative purposes. Truist Financial Corporation ("Truist") and its affiliates do not provide legal or tax advice. Truist cannot guarantee that the information provided is accurate, complete, or timely. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pre- and/or after-tax investment results. Truist makes no warranties with regard to this calculator or the results obtained by its use. Truist disclaims any liability arising out of your use of, or any tax position taken in reliance on, this calculator. Always consult an attorney or tax professional regarding your specific legal or tax situation.

    4 Contact a loan advisor about loan amount, type of loan, property type, income, and first-time homebuyer and homebuyer education requirements to ensure eligibility.  With a low down payment, mortgage insurance will be required, which increases the cost of the loan and will increase your monthly payment.

    Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

    Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

    Disclosures

    Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, Truist Marquee, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

    Equal Housing Lender

    Investment and Insurance Products:

    • Are Not FDIC or any other Government Agency Insured
    • Are Not Bank Guaranteed
    • May Lose Value

    TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

    Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

    Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

    Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

    Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

    Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

    "Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

    Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

    New York City residents:

    Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

    Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

    The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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