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Jump Start

Get up to $6,000 toward your down payment on a new home!

Your Homebuying Could Use A Jump Start


First-time homebuyers—or those who haven’t owned a home in years—face unique challenges in the home loan process. One of these challenges is the down payment. For those homebuyers, there is Jump Start!


The Jump Start Assistance Program

The Jump Start down payment assistance program provides up to 3% of the purchase price (or maximum $6,000) for qualified homebuyers to use toward a down payment on a new home.

  • Jump Start is not a loan, but it may affect your mortgage interest rate. Ask your home loan expert for details.
  • Jump Start won’t cover your whole down payment. The minimum buyer contribution to the down payment is $500.
  • Jump Start assistance is only available on a 30-year fixed mortgage.
  • You must remain in the mortgage for at least four (4) years. If you sell or refinance before then, you will be responsible for repaying the full amount of the assistance.

Who Qualifies?

You may qualify for Jump Start assistance if you meet the following criteria.

Are a first-time homebuyer OR

Haven’t owned a home in the last three (3) years AND

Make no more than $65,500 (for a 1–2-person household) or $74,750 (for a 3+ person household) at the time of purchase

A Loan Made Just For You

With your choice of every popular mortgage program, you’ll find the loan you need with the benefits you deserve.



Zero Hidden Fees

Best Rate, No Points

Local Financing & Payments

Local Service & Expertise


Your New Home Is At Your Fingertips

With low interest rates, local financing, and anywhere payments, Kirtland FCU is New Mexico’s premier mortgage lender. Use our handy loan calculator to see where a mortgage would fit into your budget.

Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member service representative will follow up to answer any questions or get you started.
Find home loan articles and news at the Insighter Blog EXPLORE NOW


The home loan experts at Kirtland FCU are ready to help you get into your next home with Jump Start assistance.


Apply online when it’s convenient for you.



Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328


Stop by our Home Loan Center
An equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval. Income limits and restrictions apply. Maximum assistance will be up to 3% of the purchase price or a maximum of $6,000 with a maximum loan amount not to exceed $200,000. Loans with Jump Start assistance will require Private Mortgage Insurance. Borrowers will be required to complete a homebuyer education course. At least one borrower cannot have owned a home in the past three (3) years to be eligible for Jump Start assistance. Cannot be combined with any other offers. Program may be cancelled or suspended at any time without notice. Membership eligibility required. See a representative for complete details.