Pathway Discovering Home Grants

Get up to $10,000 in Down Payment and Closing Cost Assistance

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Make Buying a Home a Reality

Do you dream of owning a home, but have limited funds for a down payment and closing costs? We are here to help with our grant programs*. United Bank is proud to invest in your dreams and is dedicated to helping our neighbors and communities thrive and reach their financial goals. 

*Grant Programs are only available in select market areas. Not all applicants are eligible.

Pathway Home Grant

  • Up to $10,000 for down payment & closing costs1
  • Grant has no lien required on the property
  • Primary residence
  • This program is only available in select market areas
  • Available for purchases and eligible refinances
  • Gift funds can be used
  • Household income limits apply
  • Homeownership counseling certificate required prior to closing if a First Time Homebuyer
  • Can be used in conjunction with other down payment assistance
  • Fixed and Adjustable Rate financing options available
  • No Mortgage Insurance required

Discovering Home Grant

  • Up to $10,000 for down payment & closing costs2
  • Grant has no lien required on the property
  • Primary residence
  • This program is only available in select market areas
  • Available for purchases and eligible refinances
  • Gift funds can be used
  • Household income limits apply
  • Homeownership counseling certificate required prior to closing if a First Time Homebuyer
  • Can be used in conjunction with other down payment assistance

Taking the simple step of speaking to a United Bank Mortgage professional may be the smartest financial decision you make, as it can allow your family to make monthly home payments toward your own mortgage loan instead of increasing your landlord’s wealth.

See what option best fit your needs.

Please complete the form and a mortgage loan expert will be in contact with you soon.

Imagine The Benefits

In today’s economy, rent continues to increase year after year. If you need some inspiration to start house hunting or just want to make sure you’re taking advantage of all that homeownership has to offer, check out this top 5 list of perks that will repay your hard work from now well into retirement.

Security & Freedom

Saving & Investment

Tax Benefits

Inflation Protection

Build Your Credit

Want to learn more about the benefits of homeownership?

Get Our Free First-Time Homebuyer's Guide

United Bank Mortgage

Having navigated decades of changing economic environments, our employees have the experience and are able to provide flexible, personalized solutions you can only get from a nationally recognized, local lender supported by the strength and stability of United Bank.

We are honored to be a trusted mortgage lender with a dedicated local presence throughout the communities we serve.

See what option best fit your needs.

Please complete the form and a mortgage loan expert will be in contact with you soon.

1Subject 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.
2Subject 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.
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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