Skip to main content

Freddie Mac BorrowSmart Access Income and Property Eligibility Tool

How to Use Tool

Use this tool to verify if a borrower can qualify for Freddie Mac BorrowSmart Access assistance based on the property location and the borrowers' qualifying income. For best results, enter the complete property street address.

How to Read Your Results

Enter a street address to obtain the most accurate results. A pop-up window will appear with the following information:

  • FIPS Code – Uniquely identifies the census tract.
  • BorrowSmart Access Income Limit – For the specific census tract, this is the maximum borrower income allowed to qualify for BorrowSmart Access.
  • Borrowers whose qualifying income is less than or equal to 140% of county area median income qualify for the BorrowSmart Access program. Borrowers whose qualifying income is less than or equal to 80% of county area median income may also qualify.
  • Borrowers' Income (optional):  Please enter the borrowers' income to calculate the exact AMI percentage.
  • Calculated AMI (%):  This field displays the calculated AMI if the borrowers' income is entered in the preceding field.

Qualification Disclaimer - This tool is intended to help provide guidance as to qualifications for the BorrowSmart Access programs. Final eligibility is determined within Loan Product Advisor® or via approved manual underwriting.

Image of map displaying BorrowSmart detail panel for a property.


Additional Resources