Our Low/Mod Homepride is a special program designed for low-to-moderate income households. First Niagara Bank will provide a below market rate unsecured loan in an amount up to 6% of the sale price for closing cost assistance.

• 3% down payment can come from gift from family members, grant from a not-for-profit agency, unsecured debt, borrower's own funds, or other source so long as it is not from an interested party to the transaction.

For more information, contact a Mortgage Consultant in your area by calling 1-800-421-0004.