OriginPoint, the joint-venture mortgage platform created by Rate alongside real estate brokerages, has updated its OneDown 1% Down Mortgage Program, adding a larger lender-paid grant and temporary buydown option. 

The nationwide program, which launched in August 2025, allows qualified borrowers to purchase a home with as little as a 1% down payment. With the latest updates, buyers can now choose between a $6,000 lender-paid grant or a 1% lender-paid temporary rate buydown for the first year of the loan. 

“In today’s market, affordability is one of the biggest barriers facing homebuyers,” said James Elliott, president and CEO of OriginPoint. “Enhanced OneDown gives borrowers more flexibility in how they manage that challenge, whether by lowering the upfront cost of buying a home or reducing monthly payments during the first year of their mortgage.” 

OriginPoint said the enhancements are part of its broader effort to support agents and their clients. 

“We are committed to delivering the best possible experience for agents and their clients,” Elliott said. “When the market shifts, we don’t retreat from relationships. We strengthen them.”