Rocket Mortgage · verified 2026-08-05
ONE+: down payment help, plainly
ONE+ from Rocket Mortgage provides 2% of price, max $7,000 toward a home purchase, never repaid. ClosingReady can close it.
The facts
| Structure | Grant — never repaid |
| Amount | 2% of price, max $7,000 |
| Minimum credit | Not published — verify |
| Income cap | 80% of area median income |
| Purchase price cap | None |
| Loan cap | $350,000 |
| Geography | Nationwide |
| First-time buyer required | No |
| Homebuyer education | Not published — verify |
| Loan products | Conventional |
Who this is for
- Borrower contributes 1%; grant supplies 2%
What to watch
- $350,000 loan cap rules out much of Oakland County at current prices.
- Conventional only, primary residence only.
Not yet confirmed against the issuer's own material:
- Minimum credit score
- Homebuyer education requirement
Source: Rocket Mortgage's published program page · last verified 2026-08-05. Program terms change without notice; confirm current terms before writing an offer around them.
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Common questions
How much does ONE+ provide?
2% of price, max $7,000 — a maximum, not a quote; the exact figure depends on your price, loan and profile. Structure: grant — never repaid.
Do I have to repay ONE+?
No. Grant — never repaid.
Who qualifies for ONE+?
Borrower contributes 1%; grant supplies 2%. Income capped at 80% of area median.