As the availability of 100% financed mortgage products slowly wanes, the need for consumers to save for a down payment in order to purchase a home increases. The Mortgage Down Payment Accelerator Program is an easy-to-implement savings and educational tool designed to bring the young borrowing demographic to the credit union through a three-step program. The program is specifically formulated to target the struggling first-time homebuyers faced with acquiring the down payment necessary to buy their first home.