MRB funding is not accessible in all areas of the United States. The procedure is run state by state where it exists, with each program targeting certain areas or neighborhoods based on state demographics.

Eligibility is dissimilar from program to program, but most states have eligibility requirements; for example, the home in question must be the primary residence, and the prospective buyer(s) must not have owned a home in the past three years. There are also limits on how much a given mortgage can be written for, which may be less than the original request source’s limits (such as the FHA loan limit).