{"id":8560,"date":"2026-09-21T02:21:38","date_gmt":"2026-09-21T09:21:38","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/?p=8560"},"modified":"2026-09-21T02:21:40","modified_gmt":"2026-09-21T09:21:40","slug":"rocket-mortgage-1-down-income-requirements","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/8560\/","title":{"rendered":"Rocket Mortgage 1% Down Income Requirements: Closing Costs"},"content":{"rendered":"\n<style id=\"loaning-mortgage-guide-design-system\">\n  @import url(\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard@v1.3.9\/dist\/web\/variable\/pretendardvariable-dynamic-subset.min.css\");\n\n  .loaning-geo-article,\n  .loaning-geo-article * {\n    box-sizing: border-box !important;\n    font-family: \"Pretendard Variable\", Pretendard, -apple-system, BlinkMacSystemFont, \"Segoe UI\", sans-serif !important;\n    -webkit-print-color-adjust: exact !important;\n    print-color-adjust: exact !important;\n  }\n\n  .loaning-geo-article {\n    --loaning-green: #15966b;\n    --loaning-green-dark: #15583f;\n    --loaning-green-soft: #eef8f4;\n    --loaning-blue: #0073cf;\n    --loaning-answer: #10b981;\n    --loaning-ink: #26332d;\n    --loaning-muted: #68756f;\n    --loaning-line: #e1e7e4;\n    width: 100% !important;\n    max-width: 860px !important;\n    margin: 0 auto !important;\n    padding: 0 16px 140px !important;\n    color: var(--loaning-ink) !important;\n    font-size: 16px !important;\n    font-weight: 400 !important;\n    line-height: 1.75 !important;\n    letter-spacing: -0.012em !important;\n    word-break: keep-all !important;\n    overflow-wrap: break-word !important;\n  }\n\n  .loaning-geo-article > p:not(.loaning-table-footnote),\n  .loaning-geo-article > ul,\n  .loaning-geo-article > ol {\n    margin-top: 0 !important;\n    color: var(--loaning-ink) !important;\n    font-size: 16px !important;\n    line-height: 1.75 !important;\n  }\n\n  .loaning-geo-article > p:not(.loaning-table-footnote) {\n    margin-bottom: 16px !important;\n  }\n\n  .loaning-geo-article > h2 {\n    margin: 0 0 20px !important;\n    padding: 0 0 10px !important;\n    border-bottom: 1px solid #dce5e0 !important;\n    color: #173f2e !important;\n    font-size: 26px !important;\n    font-weight: 700 !important;\n    line-height: 1.38 !important;\n    letter-spacing: -0.025em !important;\n  }\n\n  .loaning-geo-article h3 {\n    margin: 32px 0 12px !important;\n    padding: 2px 0 2px 14px !important;\n    border-left: 4px solid #49cc7f !important;\n    background: transparent !important;\n    color: #1d513b !important;\n    font-size: 20px !important;\n    font-weight: 700 !important;\n    line-height: 1.45 !important;\n    letter-spacing: -0.018em !important;\n  }\n\n  .loaning-geo-article a:not(.loaning-rate-field):not(.loaning-rate-button):not(.loaning-floating-cta__link) {\n    color: #0b7452 !important;\n    text-decoration-thickness: 1px !important;\n    text-underline-offset: 3px !important;\n  }\n\n  .loaning-geo-article a:not(.loaning-rate-field):not(.loaning-rate-button):not(.loaning-floating-cta__link):focus-visible {\n    outline: 3px solid rgba(73, 204, 127, 0.35) !important;\n    outline-offset: 3px !important;\n  }\n\n  .loaning-article-tools {\n    position: relative !important;\n    z-index: 20 !important;\n    display: flex !important;\n    align-items: center !important;\n    justify-content: space-between !important;\n    gap: 18px !important;\n    width: 100% !important;\n    margin: 0 0 24px !important;\n    padding: 4px 0 18px !important;\n    border: 0 !important;\n    border-bottom: 1px solid #e3eae6 !important;\n    border-radius: 0 !important;\n    background: transparent !important;\n    box-shadow: none !important;\n  }\n\n  .loaning-article-tools__keywords {\n    display: flex !important;\n    flex: 1 1 auto !important;\n    flex-wrap: wrap !important;\n    align-items: center !important;\n    gap: 7px 14px !important;\n    min-width: 0 !important;\n  }\n\n  .loaning-article-tools__label {\n    flex-basis: 100% !important;\n    color: #7a8680 !important;\n    font-size: 11px !important;\n    font-weight: 700 !important;\n    line-height: 17px !important;\n  }\n\n  .loaning-article-tools__keywords a {\n    display: inline-block !important;\n    min-height: 32px !important;\n    padding: 6px 0 !important;\n    border: 0 !important;\n    background: transparent !important;\n    color: #27664a !important;\n    font-size: 13px !important;\n    font-weight: 650 !important;\n    line-height: 20px !important;\n    text-decoration: none !important;\n    white-space: nowrap !important;\n    transition: color 0.2s ease, transform 0.2s ease !important;\n  }\n\n  .loaning-article-tools__keywords a:hover {\n    color: #15966b !important;\n    transform: translateY(-1px) !important;\n  }\n\n  .loaning-article-tools__actions {\n    position: relative !important;\n    display: flex !important;\n    flex: 0 0 auto !important;\n    align-items: center !important;\n    gap: 10px !important;\n  }\n\n  .loaning-ai-summary {\n    position: relative !important;\n  }\n\n  .loaning-ai-summary > summary {\n    display: flex !important;\n    align-items: center !important;\n    justify-content: center !important;\n    gap: 8px !important;\n    min-height: 44px !important;\n    padding: 8px 14px !important;\n    border: 1px solid #d5e2db !important;\n    border-radius: 999px !important;\n    background: #ffffff !important;\n    color: #173f2e !important;\n    font-size: 14px !important;\n    font-weight: 700 !important;\n    line-height: 20px !important;\n    list-style: none !important;\n    white-space: nowrap !important;\n    cursor: pointer !important;\n    box-shadow: 0 2px 8px rgba(31, 78, 59, 0.07) !important;\n    transition: border-color 0.2s ease, color 0.2s ease, box-shadow 0.2s ease !important;\n  }\n\n  .loaning-ai-summary > summary::-webkit-details-marker {\n    display: none !important;\n  }\n\n  .loaning-ai-summary > summary::marker {\n    content: \"\" !important;\n  }\n\n  .loaning-ai-summary > summary:hover,\n  .loaning-ai-summary[open] > summary {\n    border-color: #a9cdbb !important;\n    color: #15966b !important;\n    box-shadow: 0 4px 12px rgba(31, 78, 59, 0.1) !important;\n  }\n\n  .loaning-ai-summary > summary:focus-visible,\n  .loaning-share-button:focus-visible {\n    outline: 3px solid rgba(73, 204, 127, 0.3) !important;\n    outline-offset: 3px !important;\n  }\n\n  .loaning-ai-summary__icon,\n  .loaning-ai-summary__chevron,\n  .loaning-share-button svg {\n    display: block !important;\n    flex: 0 0 auto !important;\n  }\n\n  .loaning-ai-summary__icon {\n    width: 19px !important;\n    height: 19px !important;\n    color: #15966b !important;\n  }\n\n  .loaning-ai-summary__chevron {\n    width: 13px !important;\n    height: 13px !important;\n    color: #52635b !important;\n    transition: transform 0.2s ease !important;\n  }\n\n  .loaning-ai-summary[open] .loaning-ai-summary__chevron {\n    transform: rotate(180deg) !important;\n  }\n\n  .loaning-ai-summary__panel {\n    position: absolute !important;\n    z-index: 40 !important;\n    top: calc(100% + 10px) !important;\n    right: 0 !important;\n    width: min(420px, calc(100vw - 40px)) !important;\n    padding: 18px !important;\n    border: 1px solid #dbe6e0 !important;\n    border-radius: 14px !important;\n    background: #ffffff !important;\n    color: #2f3d37 !important;\n    box-shadow: 0 14px 34px rgba(23, 63, 46, 0.16) !important;\n  }\n\n  .loaning-ai-summary__title {\n    margin: 0 0 10px !important;\n    color: #173f2e !important;\n    font-size: 14px !important;\n    font-weight: 750 !important;\n    line-height: 21px !important;\n  }\n\n  .loaning-ai-summary__panel ul {\n    margin: 0 !important;\n    padding-left: 19px !important;\n  }\n\n  .loaning-ai-summary__panel li {\n    margin: 0 0 7px !important;\n    color: #43524b !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 22px !important;\n  }\n\n  .loaning-ai-summary__panel li:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .loaning-share-button {\n    display: inline-flex !important;\n    align-items: center !important;\n    justify-content: center !important;\n    width: 44px !important;\n    height: 44px !important;\n    flex: 0 0 44px !important;\n    margin: 0 !important;\n    padding: 0 !important;\n    border: 1px solid #d5e2db !important;\n    border-radius: 50% !important;\n    background: #ffffff !important;\n    color: #173f2e !important;\n    cursor: pointer !important;\n    box-shadow: 0 2px 8px rgba(31, 78, 59, 0.07) !important;\n    transition: border-color 0.2s ease, color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease !important;\n  }\n\n  .loaning-share-button:hover {\n    border-color: #a9cdbb !important;\n    color: #15966b !important;\n    transform: translateY(-1px) !important;\n    box-shadow: 0 4px 12px rgba(31, 78, 59, 0.1) !important;\n  }\n\n  .loaning-share-button svg {\n    width: 19px !important;\n    height: 19px !important;\n  }\n\n  .loaning-visually-hidden {\n    position: absolute !important;\n    width: 1px !important;\n    height: 1px !important;\n    padding: 0 !important;\n    margin: -1px !important;\n    overflow: hidden !important;\n    clip: rect(0, 0, 0, 0) !important;\n    white-space: nowrap !important;\n    border: 0 !important;\n  }\n\n  .loaning-side-tools,\n  .loaning-side-tools * {\n    box-sizing: border-box !important;\n  }\n\n  .loaning-side-tools {\n    position: fixed !important;\n    z-index: 9998 !important;\n    top: auto !important;\n    right: 18px !important;\n    bottom: 24px !important;\n    display: flex !important;\n    flex-direction: column !important;\n    align-items: stretch !important;\n    gap: 8px !important;\n    width: 132px !important;\n    transform: none !important;\n    pointer-events: none !important;\n  }\n\n  .loaning-side-tools__item {\n    display: flex !important;\n    align-items: center !important;\n    justify-content: flex-start !important;\n    gap: 9px !important;\n    width: 100% !important;\n    min-height: 44px !important;\n    margin: 0 !important;\n    padding: 9px 12px !important;\n    border: 1px solid #dbe4df !important;\n    border-radius: 999px !important;\n    background: rgba(255, 255, 255, 0.96) !important;\n    color: #29483b !important;\n    font-size: 13px !important;\n    font-weight: 650 !important;\n    line-height: 20px !important;\n    text-align: left !important;\n    text-decoration: none !important;\n    white-space: nowrap !important;\n    cursor: pointer !important;\n    box-shadow: 0 3px 12px rgba(23, 63, 46, 0.09) !important;\n    pointer-events: auto !important;\n    transition: border-color 0.2s ease, color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease !important;\n    -webkit-appearance: none !important;\n    appearance: none !important;\n  }\n\n  .loaning-side-tools__item:hover {\n    border-color: #a9cdbb !important;\n    color: #15966b !important;\n    transform: translateX(-2px) !important;\n    box-shadow: 0 5px 16px rgba(23, 63, 46, 0.13) !important;\n  }\n\n  .loaning-side-tools__item:focus-visible {\n    outline: 3px solid rgba(73, 204, 127, 0.3) !important;\n    outline-offset: 3px !important;\n  }\n\n  .loaning-side-tools__item svg {\n    display: block !important;\n    width: 20px !important;\n    height: 20px !important;\n    flex: 0 0 20px !important;\n  }\n\n  .loaning-side-tools__item[hidden] {\n    display: none !important;\n  }\n\n  .loaning-side-tools__item--top {\n    justify-content: center !important;\n  }\n\n  .loaning-intro {\n    margin: 0 0 20px !important;\n  }\n\n  .loaning-intro p {\n    margin-bottom: 16px !important;\n    font-size: 16px !important;\n    font-weight: 400 !important;\n    line-height: 1.75 !important;\n  }\n\n  .loaning-key-takeaways {\n    margin: 16px 0 24px !important;\n    padding: 18px 22px !important;\n    border: 0 !important;\n    border-radius: 16px !important;\n    background: #f8f9fa !important;\n    color: #333333 !important;\n  }\n\n  .loaning-key-takeaways__title {\n    margin: 0 0 8px !important;\n    color: #333333 !important;\n    font-size: 15px !important;\n    font-weight: 700 !important;\n    line-height: 1.67 !important;\n  }\n\n  .loaning-key-takeaways ul {\n    margin: 0 !important;\n    padding-left: 20px !important;\n  }\n\n  .loaning-key-takeaways li {\n    margin: 0 0 6px !important;\n    color: #333333 !important;\n    font-size: 15px !important;\n    line-height: 1.67 !important;\n  }\n\n  .loaning-key-takeaways li:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .loaning-toc {\n    margin: 24px 0 16px !important;\n    padding: 0 !important;\n    border: 0 !important;\n    background: transparent !important;\n  }\n\n  .loaning-toc__title {\n    margin: 0 0 10px !important;\n    color: var(--loaning-muted) !important;\n    font-size: 12px !important;\n    font-weight: 700 !important;\n    line-height: 1.5 !important;\n  }\n\n  .loaning-toc__links {\n    display: flex !important;\n    flex-wrap: wrap !important;\n    gap: 8px !important;\n  }\n\n  .loaning-toc__links a {\n    display: inline-flex !important;\n    align-items: center !important;\n    min-height: 36px !important;\n    padding: 8px 12px !important;\n    border: 1px solid var(--loaning-line) !important;\n    border-radius: 999px !important;\n    background: #f8faf9 !important;\n    color: #355248 !important;\n    font-size: 13px !important;\n    font-weight: 650 !important;\n    line-height: 18px !important;\n    text-decoration: none !important;\n  }\n\n  .loaning-toc__links a:hover {\n    border-color: #bcd9ca !important;\n    background: #eef8f4 !important;\n    color: #15583f !important;\n  }\n\n  .loaning-table-wrap {\n    width: 100% !important;\n    margin: 18px 0 0 !important;\n    overflow-x: hidden !important;\n    border: 1px solid #dfe7e3 !important;\n    border-radius: 14px !important;\n    background: #ffffff !important;\n  }\n\n  .loaning-table-wrap table {\n    width: 100% !important;\n    min-width: 0 !important;\n    margin: 0 !important;\n    table-layout: fixed !important;\n    border-collapse: collapse !important;\n    background: #ffffff !important;\n  }\n\n  .loaning-table-wrap th,\n  .loaning-table-wrap td {\n    padding: 12px 10px !important;\n    border: 0 !important;\n    border-right: 1px solid #e8eeeb !important;\n    border-bottom: 1px solid #e8eeeb !important;\n    color: #35423c !important;\n    font-size: 13px !important;\n    line-height: 20px !important;\n    text-align: left !important;\n    vertical-align: middle !important;\n    white-space: normal !important;\n    overflow-wrap: anywhere !important;\n  }\n\n  .loaning-table-wrap th {\n    background: #f3f7f5 !important;\n    color: #24463a !important;\n    font-weight: 750 !important;\n  }\n\n  .loaning-table-wrap th:last-child,\n  .loaning-table-wrap td:last-child {\n    border-right: 0 !important;\n  }\n\n  .loaning-table-wrap tr:last-child td {\n    border-bottom: 0 !important;\n  }\n\n  .loaning-table-wrap tbody tr:nth-child(even) td {\n    background: #fbfcfc !important;\n  }\n\n  .loaning-table-wrap a {\n    color: #0b7452 !important;\n    font-size: 13px !important;\n    font-weight: 650 !important;\n  }\n\n  .loaning-geo-article > .loaning-table-footnote {\n    margin: 6px 2px 24px !important;\n    color: var(--loaning-muted) !important;\n    font-size: 11px !important;\n    font-weight: 400 !important;\n    line-height: 17px !important;\n  }\n\n  .loaning-important-note {\n    margin: 18px 0 28px !important;\n    padding: 20px 24px !important;\n    border: 1px solid #ffdada !important;\n    border-radius: 16px !important;\n    background: #fff4f4 !important;\n    color: #333333 !important;\n  }\n\n  .loaning-important-note__title {\n    margin: 0 0 10px !important;\n    color: #d32f2f !important;\n    font-size: 15px !important;\n    font-weight: 800 !important;\n    line-height: 1.55 !important;\n  }\n\n  .loaning-important-note p {\n    margin: 0 0 10px !important;\n    color: #333333 !important;\n    font-size: 15px !important;\n    line-height: 1.67 !important;\n  }\n\n  .loaning-important-note p:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .loaning-checklist {\n    display: flex !important;\n    flex-direction: column !important;\n    gap: 10px !important;\n    width: 100% !important;\n    margin: 20px 0 28px !important;\n    padding: 0 !important;\n  }\n\n  .loaning-checklist-card {\n    display: flex !important;\n    align-items: flex-start !important;\n    gap: 10px !important;\n    width: 100% !important;\n    margin: 0 !important;\n    padding: 14px 16px !important;\n    border: 1px solid #e1e5e9 !important;\n    border-radius: 11px !important;\n    background: #ffffff !important;\n    box-shadow: 0 2px 6px rgba(17, 24, 39, 0.04), 0 7px 16px rgba(17, 24, 39, 0.05) !important;\n    cursor: pointer !important;\n    transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease !important;\n  }\n\n  .loaning-checklist-card:hover {\n    border-color: #cbd3dc !important;\n    box-shadow: 0 3px 7px rgba(17, 24, 39, 0.05), 0 9px 18px rgba(17, 24, 39, 0.06) !important;\n    transform: translateY(-1px) !important;\n  }\n\n  .loaning-checklist-card input[type=\"checkbox\"] {\n    position: absolute !important;\n    width: 1px !important;\n    height: 1px !important;\n    margin: -1px !important;\n    padding: 0 !important;\n    overflow: hidden !important;\n    clip: rect(0 0 0 0) !important;\n    clip-path: inset(50%) !important;\n    border: 0 !important;\n    opacity: 0 !important;\n    white-space: nowrap !important;\n  }\n\n  .loaning-checklist-card__control {\n    position: relative !important;\n    display: block !important;\n    width: 18px !important;\n    min-width: 18px !important;\n    max-width: 18px !important;\n    height: 18px !important;\n    min-height: 18px !important;\n    max-height: 18px !important;\n    flex: 0 0 18px !important;\n    margin: 1px 0 0 !important;\n    padding: 0 !important;\n    border: 1.5px solid #aeb6c2 !important;\n    border-radius: 999px !important;\n    background: #ffffff !important;\n    box-shadow: none !important;\n  }\n\n  .loaning-checklist-card input[type=\"checkbox\"]:checked + .loaning-checklist-card__control {\n    border-color: #2ecc71 !important;\n    background: #2ecc71 !important;\n  }\n\n  .loaning-checklist-card input[type=\"checkbox\"]:checked + .loaning-checklist-card__control::after {\n    position: absolute !important;\n    top: 50% !important;\n    left: 50% !important;\n    color: #ffffff !important;\n    content: \"\u2713\" !important;\n    font-size: 11px !important;\n    font-weight: 800 !important;\n    line-height: 1 !important;\n    transform: translate(-50%, -52%) !important;\n  }\n\n  .loaning-checklist-card input[type=\"checkbox\"]:focus-visible + .loaning-checklist-card__control {\n    outline: 3px solid rgba(46, 204, 113, 0.25) !important;\n    outline-offset: 3px !important;\n  }\n\n  .loaning-checklist-card__text {\n    color: #4b5563 !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 22px !important;\n    letter-spacing: -0.01em !important;\n  }\n\n  .loaning-qa-card {\n    margin: 20px 0 28px !important;\n    padding: 2px 0 2px 14px !important;\n    border: 0 !important;\n    border-left: 2px solid #dce5e0 !important;\n    border-radius: 0 !important;\n    background: transparent !important;\n    color: #5b6962 !important;\n  }\n\n  .loaning-qa-card__question,\n  .loaning-faq-card__question {\n    display: flex !important;\n    align-items: flex-start !important;\n    gap: 6px !important;\n    margin: 0 0 10px !important;\n    color: #26332d !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-qa-card__answer,\n  .loaning-faq-card__answer {\n    display: flex !important;\n    align-items: flex-start !important;\n    gap: 6px !important;\n    margin: 0 !important;\n    color: #333333 !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-card__question {\n    margin: 0 0 5px !important;\n    color: #53635c !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-card__answer {\n    color: #637068 !important;\n    font-size: 14px !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-label {\n    min-width: 17px !important;\n    color: #839089 !important;\n    font-size: 13px !important;\n    font-weight: 700 !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-label--q {\n    color: #71848d !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-label--a {\n    color: #7a9186 !important;\n  }\n\n  .loaning-qa-label {\n    display: inline-block !important;\n    flex: 0 0 auto !important;\n    min-width: 20px !important;\n    font-size: 13px !important;\n    font-weight: 800 !important;\n    line-height: 1.65 !important;\n  }\n\n  .loaning-qa-label--q {\n    color: #0073cf !important;\n  }\n\n  .loaning-qa-label--a {\n    color: #10b981 !important;\n  }\n\n  .loaning-qa-question-text {\n    font-weight: 400 !important;\n  }\n\n  .loaning-faq-list {\n    display: grid !important;\n    gap: 12px !important;\n    margin: 22px 0 0 !important;\n  }\n\n  .loaning-faq-card {\n    padding: 18px 20px !important;\n    border: 0 !important;\n    border-radius: 16px !important;\n    background: #f8f9fa !important;\n  }\n\n  .loaning-faq-card__answer {\n    padding-top: 10px !important;\n    border-top: 1px solid #e4e9e6 !important;\n  }\n\n  .loaning-faq-card__answer-text {\n    min-width: 0 !important;\n    color: #333333 !important;\n    font-size: 14px !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-faq-card__answer-text p {\n    margin: 0 !important;\n    color: #333333 !important;\n    font-size: 14px !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-floating-cta {\n    position: fixed !important;\n    z-index: 9999 !important;\n    left: 50% !important;\n    bottom: 16px !important;\n    width: min(calc(100vw - 32px), 680px) !important;\n    transform: translateX(-50%) !important;\n    pointer-events: none !important;\n  }\n\n  .loaning-floating-cta__link {\n    display: flex !important;\n    align-items: center !important;\n    justify-content: center !important;\n    width: 100% !important;\n    min-height: 52px !important;\n    padding: 12px 24px !important;\n    border-radius: 999px !important;\n    background: #49cc7f !important;\n    color: #ffffff !important;\n    -webkit-text-fill-color: #ffffff !important;\n    font-size: 15px !important;\n    font-weight: 700 !important;\n    line-height: 1.3 !important;\n    text-align: center !important;\n    text-decoration: none !important;\n    text-shadow: 0 0 8px rgba(255, 255, 255, 0.34) !important;\n    box-shadow: 0 5px 16px rgba(23, 33, 29, 0.12) !important;\n    pointer-events: auto !important;\n  }\n\n  .loaning-floating-cta__link:hover {\n    background: #3fc275 !important;\n    transform: translateY(-1px) !important;\n  }\n\n  .loaning-floating-cta__link:focus-visible {\n    outline: 3px solid rgba(23, 33, 29, 0.28) !important;\n    outline-offset: 3px !important;\n  }\n\n  @media screen and (max-width: 680px) {\n    .loaning-geo-article {\n      padding: 0 12px 124px !important;\n      word-break: normal !important;\n    }\n\n    .loaning-article-tools {\n      align-items: stretch !important;\n      flex-direction: column !important;\n      gap: 14px !important;\n      padding: 2px 0 16px !important;\n    }\n\n    .loaning-article-tools__keywords {\n      gap: 5px 11px !important;\n    }\n\n    .loaning-article-tools__keywords a {\n      font-size: 12px !important;\n      line-height: 19px !important;\n    }\n\n    .loaning-article-tools__actions {\n      width: 100% !important;\n    }\n\n    .loaning-ai-summary {\n      flex: 1 1 auto !important;\n      min-width: 0 !important;\n    }\n\n    .loaning-ai-summary > summary {\n      width: 100% !important;\n    }\n\n    .loaning-ai-summary__panel {\n      right: auto !important;\n      left: 0 !important;\n      width: min(420px, calc(100vw - 48px)) !important;\n      padding: 16px !important;\n    }\n\n    .loaning-geo-article > h2 {\n      margin-top: 0 !important;\n      font-size: 24px !important;\n    }\n\n    .loaning-geo-article h3 {\n      margin-top: 28px !important;\n      padding-left: 12px !important;\n      border-left-width: 3px !important;\n      font-size: 18px !important;\n    }\n\n    .loaning-key-takeaways,\n    .loaning-faq-card,\n    .loaning-important-note {\n      padding: 16px !important;\n      border-radius: 13px !important;\n    }\n\n    .loaning-qa-card {\n      padding: 2px 0 2px 12px !important;\n      border-radius: 0 !important;\n    }\n\n    .loaning-table-wrap {\n      overflow-x: auto !important;\n      -webkit-overflow-scrolling: touch !important;\n    }\n\n    .loaning-table-wrap table {\n      min-width: 620px !important;\n    }\n\n    .loaning-checklist-card {\n      gap: 8px !important;\n      padding: 13px 12px !important;\n      border-radius: 9px !important;\n    }\n\n    .loaning-checklist-card__text {\n      font-size: 14px !important;\n      line-height: 22px !important;\n    }\n\n    .loaning-floating-cta {\n      bottom: 10px !important;\n      width: calc(100vw - 24px) !important;\n    }\n\n    .loaning-floating-cta__link {\n      min-height: 50px !important;\n      padding: 11px 18px !important;\n      font-size: 14px !important;\n    }\n  }\n\n  @media screen and (max-width: 1180px) {\n    .loaning-side-tools {\n      right: 12px !important;\n      bottom: 76px !important;\n      width: 44px !important;\n    }\n\n    .loaning-side-tools__item {\n      justify-content: center !important;\n      width: 44px !important;\n      min-height: 44px !important;\n      padding: 0 !important;\n    }\n\n    .loaning-side-tools__item span {\n      display: none !important;\n    }\n  }\n\n  @media screen and (max-width: 680px) {\n    .loaning-side-tools {\n      top: auto !important;\n      right: 12px !important;\n      bottom: 72px !important;\n      flex-direction: row !important;\n      justify-content: flex-end !important;\n      width: auto !important;\n      transform: none !important;\n    }\n\n    .loaning-side-tools__item:hover {\n      transform: translateY(-1px) !important;\n    }\n  }\n\n  @media print {\n    .loaning-geo-article {\n      max-width: 100% !important;\n      padding-bottom: 0 !important;\n    }\n\n    .loaning-floating-cta {\n      display: none !important;\n    }\n\n    .loaning-side-tools,\n    .loaning-article-tools__actions {\n      display: none !important;\n    }\n\n    .loaning-table-wrap {\n      overflow: visible !important;\n    }\n\n    .loaning-table-wrap table {\n      min-width: 0 !important;\n    }\n\n    .loaning-rate-box,\n    .loaning-key-takeaways,\n    .loaning-faq-card,\n    .loaning-important-note {\n      break-inside: avoid !important;\n    }\n  }\n<\/style>\n\n<style>\n.loaning-rate-box,\n.loaning-rate-box * {\n  box-sizing: border-box;\n}\n\n.loaning-rate-box {\n  width: 100%;\n  max-width: 960px;\n  margin: 28px auto;\n  padding: 24px 26px 22px;\n  border: 1px solid #e5e7eb;\n  border-radius: 10px;\n  background: #ffffff;\n  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.12);\n  font-family: inherit;\n  color: #111827;\n  overflow: hidden;\n}\n\n.loaning-rate-box h2 {\n  margin: 0 0 20px;\n  text-align: center;\n  font-size: 23px;\n  line-height: 1.25;\n  font-weight: 800;\n  color: #111827;\n  white-space: nowrap;\n  letter-spacing: -0.02em;\n}\n\n.loaning-rate-form {\n  display: grid;\n  grid-template-columns: minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(170px, 1.15fr);\n  gap: 14px;\n  align-items: stretch;\n  width: 100%;\n}\n\n.loaning-rate-field {\n  display: block;\n  min-height: 58px;\n  padding: 10px 12px;\n  border: 1px solid #9ca3af;\n  border-radius: 5px;\n  background: #ffffff;\n  color: #111827 !important;\n  text-decoration: none !important;\n  transition: border-color 0.2s ease, box-shadow 0.2s ease;\n  overflow: hidden;\n}\n\n.loaning-rate-field:hover {\n  border-color: #0073cf;\n  box-shadow: 0 0 0 2px rgba(0, 115, 207, 0.12);\n}\n\n.loaning-rate-field span {\n  display: block;\n  margin-bottom: 3px;\n  font-size: 11px;\n  line-height: 1.2;\n  color: #6b7280;\n  white-space: nowrap;\n}\n\n.loaning-rate-field strong {\n  display: block;\n  font-size: 14px;\n  line-height: 1.25;\n  font-weight: 700;\n  color: #374151;\n}\n\n.loaning-rate-button {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 58px;\n  padding: 0 28px;\n  border-radius: 999px;\n  background: #22c965;\n  color: #ffffff !important;\n  text-decoration: none !important;\n  font-size: 16px;\n  line-height: 1.2;\n  font-weight: 800;\n  white-space: nowrap;\n  box-shadow: 0 4px 10px rgba(34, 201, 101, 0.18);\n  transition: background-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;\n}\n\n.loaning-rate-button:hover {\n  background: #1db65a;\n  color: #ffffff !important;\n  transform: translateY(-1px);\n  box-shadow: 0 6px 14px rgba(34, 201, 101, 0.24);\n}\n\n.loaning-rate-note {\n  margin: 6px 0 0;\n  text-align: center;\n  font-size: 13px;\n  line-height: 1.4;\n  color: #374151;\n}\n\n.loaning-rate-note::before {\n  content: \"\u25a3\";\n  display: inline-block;\n  margin-right: 6px;\n  font-size: 10px;\n  color: #111827;\n  vertical-align: 1px;\n}\n\n@media (max-width: 900px) {\n  .loaning-rate-box h2 {\n    font-size: 21px;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr 1fr;\n  }\n\n  .loaning-rate-button {\n    grid-column: span 2;\n  }\n}\n\n@media (max-width: 600px) {\n  .loaning-rate-box {\n    padding: 20px 16px;\n    margin: 24px 0;\n  }\n\n  .loaning-rate-box h2 {\n    font-size: 20px;\n    text-align: left;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr;\n    gap: 10px;\n  }\n\n  .loaning-rate-field {\n    min-height: 52px;\n  }\n\n  .loaning-rate-button {\n    grid-column: auto;\n    width: 100%;\n    min-height: 50px;\n  }\n\n  .loaning-rate-note {\n    font-size: 13px;\n    margin-top: 10px;\n  }\n}\n\n\n<\/style>\n\n<article id=\"loaning-article-top\" class=\"loaning-geo-article\" lang=\"en\" tabindex=\"-1\">\n<section class=\"loaning-article-tools\" aria-label=\"Article tools\">\n    <div class=\"loaning-article-tools__keywords\"><span class=\"loaning-article-tools__label\">Related keywords<\/span><a href=\"#guide-section-1\">#rocket mortgage 1% down income requirements<\/a><a href=\"#guide-section-2\">#rocket mortgage closing costs<\/a><\/div>\n\n    <div class=\"loaning-article-tools__actions\">\n      <details class=\"loaning-ai-summary\">\n        <summary aria-label=\"Open AI summary\">\n          <svg class=\"loaning-ai-summary__icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n            <path d=\"M7.5 4.5h9a4 4 0 0 1 4 4v5a4 4 0 0 1-4 4h-4.2l-3.8 2.7v-2.7h-1a4 4 0 0 1-4-4v-5a4 4 0 0 1 4-4Z\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linejoin=\"round\"><\/path>\n            <path d=\"M9 9.3v.1M15 9.3v.1M9.2 13c1.7 1.2 3.9 1.2 5.6 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"><\/path>\n          <\/svg>\n          <span>AI summary<\/span>\n          <svg class=\"loaning-ai-summary__chevron\" viewBox=\"0 0 16 16\" aria-hidden=\"true\">\n            <path d=\"m4 6 4 4 4-4\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n          <\/svg>\n        <\/summary>\n        <div class=\"loaning-ai-summary__panel\" role=\"region\" aria-label=\"AI summary\">\n          <p class=\"loaning-ai-summary__title\">At a glance<\/p><ul><li><strong>Down payment:<\/strong> The buyer contributes 1% and Rocket adds a 2% grant, subject to the grant cap.<\/li><li><strong>Income eligibility:<\/strong> Compare income with 80% of area median income, alongside property and loan requirements.<\/li><li><strong>Cash budget:<\/strong> Add closing costs, prepaid items, and the money you want to keep after buying.<\/li><\/ul>\n        <\/div>\n      <\/details>\n\n      <button type=\"button\" class=\"loaning-share-button\" aria-label=\"Share this article\" title=\"Share\">\n        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n          <circle cx=\"18\" cy=\"5\" r=\"2.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle>\n          <circle cx=\"6\" cy=\"12\" r=\"2.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle>\n          <circle cx=\"18\" cy=\"19\" r=\"2.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle>\n          <path d=\"m8.2 10.8 7.6-4.5M8.2 13.2l7.6 4.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"><\/path>\n        <\/svg>\n      <\/button>\n      <span class=\"loaning-share-status loaning-visually-hidden\" role=\"status\" aria-live=\"polite\"><\/span>\n    <\/div>\n  <\/section><div class=\"loaning-intro\"><p>If a $250,000 home requires only 1% down, does saving $2,500 mean you are ready to buy? That is the natural calculation when you see \u201c1% down payment.\u201d But the money needed to finish the purchase does not stop there.<\/p><p>Rocket ONE+ can reduce the down payment burden. To understand the benefit, calculate both <strong>whether your income fits the eligibility limit<\/strong> and <strong>how much cash you still need after the grant<\/strong>. Start with Rocket Mortgage 1% down income requirements, then build the full budget.<\/p><\/div><div class=\"loaning-key-takeaways\" aria-label=\"Key takeaways\"><p class=\"loaning-key-takeaways__title\">\ud83d\udcdd <strong>Key Takeaways<\/strong><\/p><ul><li><strong>Down payment:<\/strong> The buyer contributes 1% and Rocket adds a 2% grant, subject to the grant cap.<\/li><li><strong>Income eligibility:<\/strong> Compare income with 80% of area median income, alongside property and loan requirements.<\/li><li><strong>Cash budget:<\/strong> Add closing costs, prepaid items, and the money you want to keep after buying.<\/li><\/ul><\/div><nav class=\"loaning-toc\" aria-label=\"Table of contents\"><p class=\"loaning-toc__title\">In this guide<\/p><div class=\"loaning-toc__links\"><a href=\"#guide-section-1\">How do the 1% and 2% fit together?<\/a><a href=\"#guide-section-2\">Higher income is not always better for this program<\/a><a href=\"#guide-section-3\">Why $2,500 can turn into a $10,000 cash budget<\/a><a href=\"#guide-section-4\">Less upfront does not necessarily mean less each month<\/a><a href=\"#guide-section-5\">\u2753 ONE+ FAQs<\/a><\/div><\/nav><br><br><h2 id=\"guide-section-1\">How do the 1% and 2% fit together?<\/h2><p><a href=\"https:\/\/www.rocketmortgage.com\/home-loans\/one-plus\" target=\"_blank\" rel=\"noopener noreferrer\">Rocket\u2019s ONE+ page<\/a> describes a 1% buyer contribution plus a 2% grant. The grant is capped at $7,000 and the loan amount at $350,000. The program is for eligible primary-residence, 30-year fixed conventional loans.<\/p><p>It is not limited to first-time buyers, but income, location, and other eligibility rules still matter. Before calculating 1% of the price, establish whether the planned property and location fit the program.<\/p><h3>A $250,000 purchase example<\/h3><div class=\"loaning-table-wrap\"><table><thead><tr><th scope=\"col\">Item<\/th><th scope=\"col\">Calculation<\/th><th scope=\"col\">Amount<\/th><\/tr><\/thead><tbody><tr><td>Buyer down payment<\/td><td>1% of purchase price<\/td><td>$2,500<\/td><\/tr><tr><td>Rocket grant<\/td><td>2% of purchase price<\/td><td>$5,000<\/td><\/tr><tr><td>Combined down payment<\/td><td>Buyer contribution + grant<\/td><td>$7,500<\/td><\/tr><tr><td>Loan principal<\/td><td>Price \u2212 down payment<\/td><td>$242,500<\/td><\/tr><\/tbody><\/table><\/div><p class=\"loaning-table-footnote\">Illustration assuming a $250,000 purchase and program eligibility.<\/p><br><br><h2 id=\"guide-section-2\">Higher income is not always better for this program<\/h2><p>Mortgage underwriting usually asks whether you earn enough. ONE+ also has an <strong>income ceiling<\/strong>: the published limit is 80% of the applicable area median income, or AMI.<\/p><p>If the applicable AMI were $100,000, 80% would be $80,000. That AMI is an illustration. For your budget, use the actual property address and the income amount applied to your application.<\/p><p>Bring the address and income records for the applicants. Ask, \u201cWhat is the income limit for this address, and what income will you count for our application?\u201d Put those two figures next to each other.<\/p><br><br><h2 id=\"guide-section-3\">Why $2,500 can turn into a $10,000 cash budget<\/h2><p>In the example above, the buyer\u2019s down payment is $2,500. Now assume closing costs, prepaids, and initial escrow deposits total $7,500. Together, the cash budget becomes $10,000.<\/p><div class=\"loaning-table-wrap\"><table><thead><tr><th scope=\"col\">Buyer-funded item<\/th><th scope=\"col\">Assumed amount<\/th><\/tr><\/thead><tbody><tr><td>Down payment<\/td><td>$2,500<\/td><\/tr><tr><td>Closing costs, prepaids, and initial escrow deposits<\/td><td>$7,500<\/td><\/tr><tr><td>Total<\/td><td>$10,000<\/td><\/tr><\/tbody><\/table><\/div><p class=\"loaning-table-footnote\">Illustration before earnest-money and seller-credit adjustments. Reserves are separate.<\/p><div class=\"loaning-important-note\"><p class=\"loaning-important-note__title\">\u26a0\ufe0f Do not subtract the $5,000 grant twice<\/p><p>The grant has already been used in the down payment calculation. Subtracting it again from closing costs understates your cash requirement. Track where the grant appears in the quote and count it once.<\/p><\/div><p>Earnest money already paid is generally credited in the settlement calculation. Keep the total funds required separate from the additional amount due on closing day.<\/p><br><br><h2 id=\"guide-section-4\">Less upfront does not necessarily mean less each month<\/h2><p>A smaller down payment can make starting easier. For the same home price, it can also leave a larger loan balance and a different monthly payment. Rocket\u2019s current ONE+ description includes borrower-paid mortgage insurance.<\/p><p>When comparing Rocket Mortgage closing costs, review the Loan Estimate\u2019s Cash to Close and monthly payment together. Include principal, interest, property taxes, homeowners insurance, mortgage insurance, and any separate HOA dues.<\/p><div class=\"loaning-checklist\" aria-label=\"Preparation checklist\"><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-1\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">Confirm that the property and location qualify for ONE+.<\/span><\/label><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-2\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">Compare the applicable AMI limit with the income used for the application.<\/span><\/label><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-3\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">Apply the grant and loan caps in the quote.<\/span><\/label><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-4\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">Separate closing costs, prepaids, earnest money, and credits.<\/span><\/label><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-5\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">Calculate the monthly cost including insurance and taxes, plus cash left after closing.<\/span><\/label><\/div><br><br><h2 id=\"guide-section-5\">\u2753 ONE+ FAQs<\/h2><div class=\"loaning-faq-list\"><div class=\"loaning-faq-card\"><p class=\"loaning-faq-card__question\"><strong class=\"loaning-qa-label loaning-qa-label--q\">Q.<\/strong><span class=\"loaning-qa-question-text\">Can I buy with only 1% saved?<\/span><\/p><div class=\"loaning-faq-card__answer\"><strong class=\"loaning-qa-label loaning-qa-label--a\">A.<\/strong><div class=\"loaning-faq-card__answer-text\"><p>The 1% refers to the buyer\u2019s down payment contribution. Add closing costs and prepaid items to calculate total cash. A $2,500 down payment can still require a larger cash budget.<\/p><\/div><\/div><\/div><div class=\"loaning-faq-card\"><p class=\"loaning-faq-card__question\"><strong class=\"loaning-qa-label loaning-qa-label--q\">Q.<\/strong><span class=\"loaning-qa-question-text\">Is ONE+ only for first-time homebuyers?<\/span><\/p><div class=\"loaning-faq-card__answer\"><strong class=\"loaning-qa-label loaning-qa-label--a\">A.<\/strong><div class=\"loaning-faq-card__answer-text\"><p>No. Start with primary-residence use, income limits, location, and loan eligibility rather than assuming first-time status is required.<\/p><\/div><\/div><\/div><div class=\"loaning-faq-card\"><p class=\"loaning-faq-card__question\"><strong class=\"loaning-qa-label loaning-qa-label--q\">Q.<\/strong><span class=\"loaning-qa-question-text\">Is it always better than a standard low-down-payment loan?<\/span><\/p><div class=\"loaning-faq-card__answer\"><strong class=\"loaning-qa-label loaning-qa-label--a\">A.<\/strong><div class=\"loaning-faq-card__answer-text\"><p>A grant comparison alone misses monthly costs. Get rate, APR, insurance, closing costs, and Cash to Close for the same purchase price, then compare both upfront and ongoing spending.<\/p><\/div><\/div><\/div><\/div><p>ONE+ may lower the initial hurdle. Go one step beyond \u201cWhat is 1%?\u201d and compare the monthly budget you can maintain after you own the home.<\/p><div class=\"loaning-rate-box\">\n    <h2>Compare mortgage rates from top lenders in minutes<\/h2>\n\n    <div class=\"loaning-rate-form\">\n      <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=rocket&amp;utm_content=rocket_mortgage_1_percent_down_income_requirements\">\n        <span>Loan Type<\/span>\n        <strong>Purchase<\/strong>\n      <\/a>\n\n      <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=rocket&amp;utm_content=rocket_mortgage_1_percent_down_income_requirements\">\n        <span>Loan Term<\/span>\n        <strong>30-Year Fixed<\/strong>\n      <\/a>\n\n      <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=rocket&amp;utm_content=rocket_mortgage_1_percent_down_income_requirements\">\n        <span>City<\/span>\n        <strong>Enter your city<\/strong>\n      <\/a>\n\n      <a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=rocket&amp;utm_content=rocket_mortgage_1_percent_down_income_requirements\">\n        Compare\n      <\/a>\n    <\/div>\n\n    <p class=\"loaning-rate-note\">No impact to your credit score<\/p>\n  <\/div>\n<figure class=\"loaning-bottom-image\" style=\"margin:28px 0 0;\"><a href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=rocket&amp;utm_content=rocket_mortgage_1_percent_down_income_requirements\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/06\/loaning.png\" alt=\"Compare mortgage rates and get online home loan support with Loaning.ai\" width=\"1002\" height=\"668\" loading=\"lazy\" decoding=\"async\" style=\"display:block;width:100%;max-width:100%;height:auto;\"><\/a><\/figure>\n<div class=\"loaning-side-tools\" aria-label=\"Page navigation\">\n    <button type=\"button\" class=\"loaning-side-tools__item loaning-side-tools__item--top\" aria-label=\"Back to top\" title=\"Back to top\" hidden=\"\">\n      <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n        <path d=\"m6 10 6-6 6 6M12 4v16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n      <\/svg>\n      <span>Back to top<\/span>\n    <\/button>\n  <\/div>\n\n  <div class=\"loaning-floating-cta\" aria-label=\"Compare mortgage rates\">\n    <a class=\"loaning-floating-cta__link\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=rocket&amp;utm_content=rocket_mortgage_1_percent_down_income_requirements\" target=\"_blank\" rel=\"noopener noreferrer\">\ud83d\udc49 Find My Best Mortgage Rate<\/a>\n  <\/div>\n<\/article><script>\n  (function () {\n    var article = document.querySelector(\".loaning-geo-article\");\n    if (!article) return;\n\n    var summary = article.querySelector(\".loaning-ai-summary\");\n    var summaryToggle = summary ? summary.querySelector(\"summary\") : null;\n    var shareButton = article.querySelector(\".loaning-share-button\");\n    var shareStatus = article.querySelector(\".loaning-share-status\");\n    var scrollTopButton = article.querySelector(\".loaning-side-tools__item--top\");\n\n    function closeSummary() {\n      if (summary && summary.open) summary.removeAttribute(\"open\");\n    }\n\n    if (summary && summaryToggle) {\n      summary.addEventListener(\"toggle\", function () {\n        summaryToggle.setAttribute(\"aria-label\", summary.open ? \"Close AI summary\" : \"Open AI summary\");\n      });\n\n      document.addEventListener(\"click\", function (event) {\n        if (summary.open && !summary.contains(event.target)) closeSummary();\n      });\n\n      document.addEventListener(\"keydown\", function (event) {\n        if (event.key === \"Escape\" && summary.open) {\n          closeSummary();\n          summaryToggle.focus();\n        }\n      });\n    }\n\n    function announce(message) {\n      if (!shareStatus) return;\n      shareStatus.textContent = message;\n      window.setTimeout(function () {\n        shareStatus.textContent = \"\";\n      }, 2500);\n    }\n\n    function fallbackCopy(value) {\n      var field = document.createElement(\"textarea\");\n      field.value = value;\n      field.setAttribute(\"readonly\", \"\");\n      field.style.position = \"fixed\";\n      field.style.opacity = \"0\";\n      document.body.appendChild(field);\n      var copied = false;\n      try {\n        field.select();\n        copied = document.execCommand(\"copy\");\n      } finally {\n        document.body.removeChild(field);\n      }\n      if (!copied) throw new Error(\"copy_failed\");\n    }\n\n    if (shareButton) {\n      shareButton.addEventListener(\"click\", async function () {\n        var shareData = {\n          title: document.title || \"Rocket Mortgage 1% Down Income Requirements: Closing Costs\",\n          text: \"Rocket Mortgage 1% down income requirements: check ONE+ eligibility, AMI, grant limits, closing costs and mortgage insurance.\",\n          url: window.location.href\n        };\n        try {\n          if (navigator.share) {\n            await navigator.share(shareData);\n            announce(\"Share window opened.\");\n            return;\n          }\n          if (navigator.clipboard && window.isSecureContext) {\n            await navigator.clipboard.writeText(shareData.url);\n          } else {\n            fallbackCopy(shareData.url);\n          }\n          announce(\"Link copied.\");\n        } catch (error) {\n          if (error && error.name === \"AbortError\") return;\n          try {\n            fallbackCopy(shareData.url);\n            announce(\"Link copied.\");\n          } catch (copyError) {\n            announce(\"Please copy the link from the address bar.\");\n          }\n        }\n      });\n    }\n\n    if (scrollTopButton) {\n      function updateScrollTopButton() {\n        scrollTopButton.hidden = window.scrollY < 560;\n      }\n      scrollTopButton.addEventListener(\"click\", function () {\n        window.scrollTo({ top: 0, behavior: \"smooth\" });\n      });\n      window.addEventListener(\"scroll\", updateScrollTopButton, { passive: true });\n      updateScrollTopButton();\n    }\n  })();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Related keywords#rocket mortgage 1% down income requirements#rocket mortgage closing costs AI summary At a glance Down payment: The buyer contributes 1% and Rocket adds a 2% grant, subject to the grant cap. Income eligibility: Compare income with 80% of area median income, alongside property and loan requirements. Cash budget: Add closing costs, prepaid items, and [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":8613,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[438],"tags":[],"class_list":["post-8560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-guide"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Rocket Mortgage 1% Down Income Requirements: Closing Costs<\/title>\n<meta name=\"description\" content=\"Rocket Mortgage 1% down income requirements: check ONE+ eligibility, AMI, grant limits, closing costs and mortgage insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.loaning.ai\/en\/8560\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rocket Mortgage 1% Down Income Requirements: Closing Costs\" \/>\n<meta property=\"og:description\" content=\"Rocket Mortgage 1% down income requirements: check ONE+ eligibility, AMI, grant limits, closing costs and mortgage insurance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.loaning.ai\/en\/8560\/\" \/>\n<meta property=\"og:site_name\" content=\"Loaning.AI Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-21T09:21:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-21T09:21:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/09\/260921_LAI_thumb_9.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1020\" \/>\n\t<meta property=\"og:image:height\" content=\"735\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"jhryu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jhryu\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8560\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8560\\\/\"},\"author\":{\"name\":\"jhryu\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#\\\/schema\\\/person\\\/d1644675e04b2c09848d7c1ce056c8d2\"},\"headline\":\"Rocket Mortgage 1% Down Income Requirements: Closing Costs\",\"datePublished\":\"2026-09-21T09:21:38+00:00\",\"dateModified\":\"2026-09-21T09:21:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8560\\\/\"},\"wordCount\":841,\"publisher\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8560\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/260921_LAI_thumb_9.png\",\"articleSection\":[\"Mortgage Guide\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8560\\\/\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8560\\\/\",\"name\":\"Rocket Mortgage 1% Down Income Requirements: Closing Costs\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8560\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8560\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/260921_LAI_thumb_9.png\",\"datePublished\":\"2026-09-21T09:21:38+00:00\",\"dateModified\":\"2026-09-21T09:21:40+00:00\",\"description\":\"Rocket Mortgage 1% down income requirements: check ONE+ eligibility, AMI, grant limits, closing costs and mortgage insurance.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8560\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8560\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8560\\\/#primaryimage\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/260921_LAI_thumb_9.png\",\"contentUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/260921_LAI_thumb_9.png\",\"width\":1020,\"height\":735,\"caption\":\"Home loan document and dollar coins representing Rocket ONE+ upfront costs\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/8560\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mortgage Guide\",\"item\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/category\\\/mortgage-guide\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Rocket Mortgage 1% Down Income Requirements: Closing Costs\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/\",\"name\":\"Loaning.AI Blog\",\"description\":\"Compare 30 year mortgage rates in US\",\"publisher\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#organization\",\"name\":\"Loaning.AI Blog\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/Group-181.png\",\"contentUrl\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/Group-181.png\",\"width\":153,\"height\":144,\"caption\":\"Loaning.AI Blog\"},\"image\":{\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/#\\\/schema\\\/person\\\/d1644675e04b2c09848d7c1ce056c8d2\",\"name\":\"jhryu\",\"url\":\"https:\\\/\\\/blog.loaning.ai\\\/en\\\/author\\\/jhryu\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Rocket Mortgage 1% Down Income Requirements: Closing Costs","description":"Rocket Mortgage 1% down income requirements: check ONE+ eligibility, AMI, grant limits, closing costs and mortgage insurance.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blog.loaning.ai\/en\/8560\/","og_locale":"en_US","og_type":"article","og_title":"Rocket Mortgage 1% Down Income Requirements: Closing Costs","og_description":"Rocket Mortgage 1% down income requirements: check ONE+ eligibility, AMI, grant limits, closing costs and mortgage insurance.","og_url":"https:\/\/blog.loaning.ai\/en\/8560\/","og_site_name":"Loaning.AI Blog","article_published_time":"2026-09-21T09:21:38+00:00","article_modified_time":"2026-09-21T09:21:40+00:00","og_image":[{"width":1020,"height":735,"url":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/09\/260921_LAI_thumb_9.png","type":"image\/png"}],"author":"jhryu","twitter_card":"summary_large_image","twitter_misc":{"Written by":"jhryu"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blog.loaning.ai\/en\/8560\/#article","isPartOf":{"@id":"https:\/\/blog.loaning.ai\/en\/8560\/"},"author":{"name":"jhryu","@id":"https:\/\/blog.loaning.ai\/en\/#\/schema\/person\/d1644675e04b2c09848d7c1ce056c8d2"},"headline":"Rocket Mortgage 1% Down Income Requirements: Closing Costs","datePublished":"2026-09-21T09:21:38+00:00","dateModified":"2026-09-21T09:21:40+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.loaning.ai\/en\/8560\/"},"wordCount":841,"publisher":{"@id":"https:\/\/blog.loaning.ai\/en\/#organization"},"image":{"@id":"https:\/\/blog.loaning.ai\/en\/8560\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/09\/260921_LAI_thumb_9.png","articleSection":["Mortgage Guide"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/blog.loaning.ai\/en\/8560\/","url":"https:\/\/blog.loaning.ai\/en\/8560\/","name":"Rocket Mortgage 1% Down Income Requirements: Closing Costs","isPartOf":{"@id":"https:\/\/blog.loaning.ai\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blog.loaning.ai\/en\/8560\/#primaryimage"},"image":{"@id":"https:\/\/blog.loaning.ai\/en\/8560\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/09\/260921_LAI_thumb_9.png","datePublished":"2026-09-21T09:21:38+00:00","dateModified":"2026-09-21T09:21:40+00:00","description":"Rocket Mortgage 1% down income requirements: check ONE+ eligibility, AMI, grant limits, closing costs and mortgage insurance.","breadcrumb":{"@id":"https:\/\/blog.loaning.ai\/en\/8560\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blog.loaning.ai\/en\/8560\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/blog.loaning.ai\/en\/8560\/#primaryimage","url":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/09\/260921_LAI_thumb_9.png","contentUrl":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/09\/260921_LAI_thumb_9.png","width":1020,"height":735,"caption":"Home loan document and dollar coins representing Rocket ONE+ upfront costs"},{"@type":"BreadcrumbList","@id":"https:\/\/blog.loaning.ai\/en\/8560\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blog.loaning.ai\/en\/"},{"@type":"ListItem","position":2,"name":"Mortgage Guide","item":"https:\/\/blog.loaning.ai\/en\/category\/mortgage-guide\/"},{"@type":"ListItem","position":3,"name":"Rocket Mortgage 1% Down Income Requirements: Closing Costs"}]},{"@type":"WebSite","@id":"https:\/\/blog.loaning.ai\/en\/#website","url":"https:\/\/blog.loaning.ai\/en\/","name":"Loaning.AI Blog","description":"Compare 30 year mortgage rates in US","publisher":{"@id":"https:\/\/blog.loaning.ai\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blog.loaning.ai\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/blog.loaning.ai\/en\/#organization","name":"Loaning.AI Blog","url":"https:\/\/blog.loaning.ai\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/blog.loaning.ai\/en\/#\/schema\/logo\/image\/","url":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2024\/11\/Group-181.png","contentUrl":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2024\/11\/Group-181.png","width":153,"height":144,"caption":"Loaning.AI Blog"},"image":{"@id":"https:\/\/blog.loaning.ai\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/blog.loaning.ai\/en\/#\/schema\/person\/d1644675e04b2c09848d7c1ce056c8d2","name":"jhryu","url":"https:\/\/blog.loaning.ai\/en\/author\/jhryu\/"}]}},"views":1,"_links":{"self":[{"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/posts\/8560","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/comments?post=8560"}],"version-history":[{"count":2,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/posts\/8560\/revisions"}],"predecessor-version":[{"id":8600,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/posts\/8560\/revisions\/8600"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/media\/8613"}],"wp:attachment":[{"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/media?parent=8560"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/categories?post=8560"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/tags?post=8560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}