Freddie Mac BorrowSmartSM program is only available in the following states: AL, AZ, AR, CA, DE, DC, FL, GA, IL, IN, KY, LA, MD, MI, MN, MS, MO, NV, NJ, NM, NY, NC, OH, OK, OR, PA, SC, TN, TX, VA, WA, WV, WI. Only available in conjunction with specific conventional conforming financing programs, for primary residences. Pre-purchase homebuyer counseling required. Borrower is responsible for $99 counseling fee. Incentive down payment/closing cost assistance amounts of $1,000 or $1,500 based on Area Median Income and other eligibility criteria.