Home Town First Time Home Buyers Program

Trustco Bank is here for you when you are ready to purchase your first home. We make it easy and are here for you every step of the way.

  • 95% LTV Financing Available
  • Same Low Rate as our 30 Year First Mortgage product
  • Financing Available for up to $800,000
  • Reduced Application and Closing Fees
  • Financing Available for Owner Occupied Residential Properties Up to 2 Units
  • A Tax Saver Account will be Opened and Funded with $100 by the Bank¹
  • Low Closing Costs
  • Biweekly or Monthly Payment Options Available
  • No Tax Escrow Required - Earn Interest With Your Trustco Tax Saver Account
  • No Appraisal Fee
  • Convenient Automatic Payment Option, From a Trustco Checking Account, With a Lower Interest Rate


Subject to credit approval. *Eligibility for this program based on income limits. Product offered is a 30-year fixed rate mortgage, up to 95% Loan to Value. Income limits vary by county and based on HUD published low/moderate income requirements to determine eligibility. 1 - Tax Savers Savings Account current Annual Percentage Yield (APY) is 0.01% as of 08/01/2022. No minimum balance required. No minimum balance to open. $100 deposit made at closing. The value of your bonus will be reported on Form 1099-INT. Please note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification. NMLS #474376

Income Limits