Purchasing your first home with a low down payment can be easier if part of the mortgage is covered by a public guarantee. The 2027 Budget Bill proposes extending the enhanced guarantees of the First Home Fund until December 31, 2029, currently set to expire at the end of 2027. The bill allocates 200 million euros for each of the years 2028 and 2029. The extension awaits final approval from Parliament.
Who can benefit
Eligible categories include individuals under 36, young couples, single parents with minor children, and large families who meet the specified requirements. Current regulations also include people with permanent disabilities and members of families identified by law.
The standard guarantee covers 50% of the mortgage principal. For certain categories, it can increase up to 80%, and for large families, it can reach up to 90%, depending on applicable requirements, including the ISEE. These percentages indicate the portion of the mortgage guaranteed by the state. The amount you can obtain depends on the bank's assessment.
How to apply
The application form, also available in a fillable format, must be submitted to a bank participating in the Fund, which will evaluate the mortgage request. If you are already house hunting, a practical step is to check with the bank how much you can finance and what down payment you need before signing a purchase proposal.
Source · MutuiOnline.it, article from November 6, 2026