3-2-1 Home

Saving for a down payment is often the hardest part in the homebuying process. But it doesn’t have to be.

Guild’s exclusive 3-2-1 Home program offers perks for first-time buyers who need the benefit of affordable lending.


The 3-2-1 Home program is simple:

  • You bring a 3% down payment
  • We give you a $2,000 The Home Depot® Gift Card
  • We gift you a $1,500 grant toward closing


There are several advantages to this program. With 3-2-1 Home, you have the ability to use gift funds toward the down payment. If you’re newly married and received monetary wedding gift funds from generous relatives or friends, you can use those gift funds toward your 3% down payment.

An additional advantage is that you can consider homes with minor repairs. As a first-time homebuyer, it’s stressful enough navigating your way through the loan process. With 3-2-1 Home, you can have peace of mind knowing you have extra resources to put toward minor repairs or improvements without tapping into your cash reserves.

The 3-2-1 Home program also eases financing challenges. If you’re a first-time homebuyer with a low-to-moderate income, this program offers increased flexibility to consider homes in your preferred location without putting constraints on the money for your down payment.


Eligibility and requirements are as follows*:

  • First-time homebuyers only
  • Must fall within income limits or live in a low-income area
  • Credit score as low as 620
  • Maximum loan limits of $484,350
  • Homebuyer education required

Guild is committed to helping people achieve their dream of homeownership.

Your new beginning is just around the corner.

To request or activate your
The Home Depot Gift Card
please click on the button below


Guild Mortgage is not affiliated with The Home Depot. The Home Depot is not a sponsor of this promotion. The Home Depot is a registered trademark of Home Depot Product Authority, LLC. All rights reserved.

All information, loan programs & interest rates are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

*At least one buyer must be considered a first-time homebuyer, which is defined as not having property ownership for the most recent three years. Borrower must also meet other first-time homebuyer qualifications. No income limit for properties in low-income census tracts. Payment subject to maximum allowable lender credit and minimum contribution requirements. Some loans require a minimum cash investment by the borrower, which may limit the amount of any lender credits or payments by Guild under the offer. Conforming loan limit in Alaska and Hawaii is $726,525.