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First Time Home Buyer Resources

DCU offers helpful resources and tools to assist with your home buying process

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3% Down Program

Looking for a mortgage option with a low down payment?
DCU’s 3% Down Program may be a good fit!

  • Flexibility to purchase a home with a minimum 3% down payment
  • No cost for Private Mortgage Insurance with a lender paid policy
  • Down payment and closing costs can be a gift from a relative
  • 30 Year Fixed Rate Program with a competitive interest rate
  • Loan amounts up to $453,100
  • 1 unit primary residences including condominiums (manufactured homes are not eligible)
  • All borrowers must occupy the home as their Primary Residence
  • Borrowers are not required to be first time buyers, however, they may not own any additional residential properties at the time of the closing
  • DCU service for the life of your loan
  • No household maximum income restrictions

Other restrictions may apply

DCU Insurance

220 Donald Lynch Boulevard

Marlborough, MA 01752-9130

800.328.8797, ext. 6978


DCU Insurance (DCU Financial Insurance Services, LLC) is an affiliate of Digital Federal Credit Union (DCU). Business conducted with DCU Insurance is separate and distinct from any business conducted with the credit union. Remember that any insurance required as a condition of the extension of credit by DCU need not be purchased from DCU Insurance but may, without affecting the approval of the application for credit, be purchased from an agent or insurance company of the member's choice. Insurance products are not deposits of DCU and are not protected by the NCUA. They are not an obligation of or guaranteed by the credit union and may be subject to risk. If you have any concerns or complaints regarding this relationship, you may contact the MA Office of Consumer Affairs, or the insurance department of your state. For information on how to contact them, please contact DCU Insurance.