Grant Programs

DOWN PAYMENT & CLOSING COST ASSISTANCE PROGRAMS

Home Is Where the Heart Is

A $10,000 home down payment or closing cost grant may make your dream of homeownership a reality.

Flower of heart put in the wooden house model on sunlight to show home is where the heart is
Flower of heart put in the wooden house model on sunlight to show home is where the heart is

DOWN PAYMENT & CLOSING COST ASSISTANCE PROGRAMS

Home Is Where the Heart Is

A $10,000 home down payment or closing cost grant may make your dream of homeownership a reality.

Down payment, or lack thereof has proven itself to be one of the major barriers to homeownership. United Bank Grant programs were designed to bridge that gap while still providing homebuyers with competitive rates and fees just as if the down payment were their own; therefore, expanding homeownership opportunities.

United Bank puts families and communities first. We are dedicated to supporting and investing in every neighborhood across our footprint. 

home affordability image

Helping Make Homeownership More Affordable

  • Up to $10,000 for Down Payment & Closing Costs
  • Available in select market areas
  • Gift funds can be used
  • Four programs available:  Pathway Home1, Discovering Home2, Journey Home3, and Welcome Home4
home affordability image

Helping Make Homeownership More Affordable

  • Up to $10,000 for Down Payment & Closing Costs
  • Available in select market areas
  • Gift funds can be used
  • Four programs available:  Pathway Home1, Discovering Home2, Journey Home3, and Welcome Home4

Invest in Your Future

United Bank is proud to invest in your dreams and is dedicated to helping our neighbors and communities thrive and reach their financial goals.

Do you know someone who might benefit from this grant? Help spread the word with friends, family, and neighbors and let’s make the most of this opportunity! 

Happy family, children and walk by door in new home in excitement for real estate, property investment or flower plant. Black man, woman and kids with motion blur for relocation, moving or together
Happy family, children and walk by door in new home in excitement for real estate, property investment or flower plant. Black man, woman and kids with motion blur for relocation, moving or together

Invest in Your Future

United Bank is proud to invest in your dreams and is dedicated to helping our neighbors and communities thrive and reach their financial goals.

Do you know someone who might benefit from this grant? Help spread the word with friends, family, and neighbors and let’s make the most of this opportunity! 


1.Subject to Credit Approval. Not all applicants are eligible. Pathway Home Grant is a Lender Grant and is only available in select market areas. No cash back for the Grant funds allowed. Loan must be for purchase or eligible refinance of primary residence. For purchase transactions, Grant is capped at $10,000, with up to 3% of the sales price or appraised value (whichever is less) applied towards down payment first and then any remaining funds applied to closing costs. For eligible Refinance transactions, up to 3% of appraised value, with a maximum of $10,000 will be applied towards closing costs. Property type and location limitations apply. Loan terms and conditions apply, including but not limited to, maximum loan-to-value of 97%, maximum loan amount, minimum credit score, and maximum income limits. Homebuyer education may be required. Grant program may be considered taxable income. 1099-MISC may be issued. You should consult with your tax advisor. Program rates, terms, and conditions are subject to change without notice.
2.Subject to Credit Approval. Not all applicants are eligible. Discovering Home Grant is a Lender Grant and is only available in select market areas. Grant is capped at $10,000, with up to 3% of sales price or appraised value (whichever is less) applied towards down payment first and then any remaining funds applied to closing costs. No cash back for the Grant funds allowed. Loan must be for purchase or eligible refinance of primary residence. Property type and location limitations apply. Loan terms and conditions apply, including but not limited to, maximum loan-to-value of 97%, maximum loan amount, minimum credit score, and maximum income limits. Homebuyer education may be required. In addition to Discovering Home Grant requirements, borrowers must meet Fannie Mae HomeReady program eligibility requirements. HomeReady® is a registered trademark of Fannie Mae. Mortgage Insurance is required for properties with over 80% loan-to-value. Grant program may be considered taxable income. 1099-MISC may be issued. You should consult with your tax advisor. Program rates, terms, and conditions are subject to change without notice.
3. Subject to Credit Approval. Not all applicants are eligible. Journey Home Grant is a Lender Grant and is only available in select market areas. Grant is capped at $10,000, with up to 3% of sales price or appraised value (whichever is less) applied towards down payment first and then any remaining funds applied to closing costs. No cash back for the Grant funds allowed. Loan must be for purchase or eligible refinance of primary residence. Property type and location limitations apply. Loan terms and conditions apply, including but not limited to, maximum loan-to-value of 97%, maximum loan amount, minimum credit score, and maximum income limits. Homebuyer education may be required. In addition to Journey Home Grant requirements, borrowers must meet Fannie Mae HomeReady program eligibility requirements. HomeReady® is a registered trademark of Fannie Mae. Mortgage Insurance is required for properties with over 80% loan-to-value. Grant program may be considered taxable income. 1099-MISC may be issued. You should consult with your tax advisor. Program rates, terms, and conditions are subject to change without notice.
4.Subject to Credit Approval. Not all applicants are eligible. Welcome Home Grant is a Lender Grant and is only available in select market areas. No cash back for the Grant funds allowed. Loan must be for purchase or eligible refinance of primary residence. For Purchase transactions, Grant is capped at $10,000, with up to 3% of sales price or appraised value (whichever is less) applied towards down payment first and then any remaining funds applied to closing costs. For eligible Refinance transactions, up to 3% of appraised value, with a maximum of $10,000 will be applied towards closing costs. Property type and location limitations apply. Loan terms and conditions apply, including but not limited to, maximum loan-to-value of 97%, maximum loan amount, minimum credit score, and maximum income limits. Homebuyer education may be required. Grant program may be considered taxable income. 1099-MISC may be issued. You should consult with your tax advisor. Program rates, terms, and conditions are subject to change without notice. 
United Bank is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Reserve, Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480.
This is not a commitment to lend. Mortgage products and services are offered through United Bank. All loan applications are subject to credit and property approval and must meet loan program requirements to qualify. Annual Percentage Rate (APR), programs, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics. Other closing costs may be necessary. Flood and/or property hazard insurance may be required.  Speak with a Mortgage Loan Officer for more specific information.
United Bank and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

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