Rocket Mortgage simplifies homeownership with just 1% down
Rocket Mortgage has introduced a new 1% down payment loan program in 2025, specifically designed for first-time homebuyers. The plan is targeted at qualified buyers with limited savings but strong credit scores, opening new doors for affordable homeownership across the U.S.
Lender contributes 2% for qualified buyers
Under the new offer, Rocket contributes an extra 2% toward the buyer’s down payment, totaling 3% — the standard minimum for conventional loans. This allows thousands of Americans to secure homes faster. Keywords like “low down payment mortgage 2025” and “best first-time home loan USA” are trending with this news.
Fast approval process via Rocket app
Rocket Mortgage has streamlined the application and pre-approval process through its mobile app. Homebuyers can upload documents, track loan status, and even complete digital closings — a major advantage in competitive real estate markets.
Why this matters for 2025 buyers
With rising rent and interest rate uncertainty, the 1% down payment program helps bridge the gap between renting and owning. It positions Rocket Mortgage as a leading lender for first-time buyers in 2025 — especially millennials and Gen Z Americans entering the market.