Dream. Plan. Home.^® Closing Cost Credit

Income limits

Dream. Plan. Home.^® closing cost credit is designed for borrowers with income at or below 80 percent of the area median income (AMI) where the property is located.

Eligible property

The closing cost credit is available to eligible borrowers when purchasing their primary residence in one of the following areas:

State	Available Areas
Arizona	Counties: Maricopa, Pima, Pinal
California	Counties: Alameda, El Dorado, Contra Costa, Fresno, Los Angeles, Madera, Orange, Placer, Riverside, Sacramento, San Benito, San Bernardino, San Diego, San Francisco, San Mateo, Santa Barbara, Santa Clara, Ventura, Yolo
Colorado	Counties: Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, Park
Connecticut	Greater Bridgeport, Western Connecticut
Delaware	Counties: New Castle
District of Columbia	Counties: District of Columbia
Florida	Counties: Baker, Broward, Clay, Duval, Hernando, Hillsborough, Lake, Lee, Miami-Dade, Nassau, Orange, Osceola, Palm Beach, Pasco, Pinellas, Seminole, St. Johns
Georgia	Counties: Barrow, Bartow, Butts, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Haralson, Heard, Henry, Jasper, Lamar, Meriwether, Morgan, Newton, Paulding, Pickens, Pike, Rockdale, Spalding, Walton
Illinois	Counties: Cook, DuPage, Grundy, McHenry, Will, DeKalb, Kane, Kendall, Lake
Maryland	Counties: Anne Arundel, Baltimore, Calvert, Carroll, Cecil, Charles, Harford, Howard, Prince George’s, Queen Anne’s Cities: Baltimore
Minnesota	Counties: Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Le Sueur, Mille Lacs, Ramsey, Scott, Sherburne, Washington, Wright
Nevada	Counties: Clark
New Jersey	Counties: Atlantic, Bergen, Burlington, Camden, Cape May, Cumberland, Essex, Gloucester, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Salem, Somerset, Sussex, Union, Warren
New Mexico	Counties: Bernalillo, Sandoval, Torrance, Valencia
New York	Counties: Bronx, Kings, New York, Nassau, Putnam, Queens, Richmond, Rockland, Suffolk, Westchester
North Carolina	Counties: Anson, Cabarrus, Camden, Currituck, Franklin, Gaston, Gates, Guilford, Iredell, Johnston, Lincoln, Mecklenburg, Randolph, Rockingham, Rowan, Union, Wake
Oregon	Counties: Clackamas, Columbia, Multnomah, Washington, Yamhill
Pennsylvania	Counties: Bucks, Chester, Delaware, Montgomery, Philadelphia, Pike
South Carolina	Counties: Calhoun, Chester, Fairfield, Kershaw, Lancaster, Lexington, Richland, Saluda, York
Texas	Counties: Atascosa, Austin, Bandera, Bastrop, Bexar, Brazoria, Caldwell, Chambers, Collin, Comal, Dallas, Denton, Ellis, Fort Bend, Galveston, Guadalupe, Harris, Hays, Hunt, Johnson, Kaufman, Kendall, Liberty, Medina, Montgomery, Parker, Rockwall, Tarrant, Travis, Waller, Williamson, Wilson, Wise
Utah	Counties: Salt Lake, Tooele
Virginia	Counties: Amelia, Arlington, Charles City, Chesterfield, Clarke, Culpepper, Dinwiddie, Fairfax, Fauquier, Gloucester, Goochland, Hanover, Henrico, Isle of Wight, James City, King and Queen, King William, Loudoun, Madison, Mathews, New Kent, Powhatan, Prince George, Prince William, Rappahannock, Southhampton, Spotsylvania, Stafford, Sussex, Warren, York Cities: Alexandria, Chesapeake, Colonial Heights, Fairfax, Falls Church, Franklin, Fredericksburg, Hampton, Hopewell, Manassas, Manassas Park, Newport News, Norfolk, Petersburg, Poquoson, Portsmouth, Richmond, Suffolk, Virginia Beach, Williamsburg
Washington	Counties: Clark, King, Pierce, Skamania, Snohomish
West Virginia	Counties: Jefferson
Wisconsin	Counties: Kenosha, Pierce, St. Croix

Determining eligibility

The closing cost credit is not available with all loan types. Eligible areas, available amount and other details of the closing cost credit may change periodically. Your mortgage consultant can explain eligibility requirements, including income verification.