Government Home Loans

^†Subject to any loan program minimum borrower contribution requirements and/or maximum cashback allowances, and to origination, processing and administrative fees charged in connection with certain government loan programs, borrowers will pay $500 for certain Huntington-required closing costs and Huntington will pay up to the next $5,500.00 in closing costs if the total Huntington closing costs do not exceed $6,000.00. If the total Huntington closing costs exceed $6,000.00, the Borrower will be responsible for the first $500.00 and anything exceeding $6,000.00. The closing cost discount/waiver will not apply to prepaid interest, borrower-elected discount points, hazard and/or flood insurance premiums, mortgage insurance premiums, initial escrow account payments, escrow waiver fees, construction-related fees, or to other closing costs for items not required by Huntington, including but not limited to those for owner’s title insurance, homebuyer education, government fees such as property taxes, transfer taxes, and revenue stamps, government loan program funding and guarantee fees, and real estate closing fees, such as brokerage fees, homeowner’s or condominium association and/or certification fees, and inspection fees. Seller’s credits to pay specified fees and other promotional credits will be applied first before the closing cost waiver is applied. Example loan payment calculation: $150,000 loan amount at a fixed rate of 7.00% (7.06% APR), 360-month term, 80% loan to value, and customer-paid closing costs of $500 results in $997.95 P&I monthly payment (payment amount does not include amounts for escrow of taxes or insurance so actual payment obligation will be greater). Huntington’s closing cost discount is only available for the purchase and refinance of homes located in the following states: Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, Wisconsin.

^‡VA loans require a VA certificate of eligibility. Huntington is not acting on behalf of, or at the direction of, the VA, FHA, the USDA, or the Federal Government.

All loans are subject to application and credit approval, satisfactory appraisal and title insurance. Terms, conditions, and loan programs are subject to change without notice. Other terms, conditions and restrictions may apply.

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