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DOWN PAYMENT & CLOSING COST ASSISTANCE PROGRAMS

Welcome Home Grant

Get up to $10,000 for Down Payment & Closing Costs. 

young girl drawing a house with chalk
young girl drawing a house with chalk

DOWN PAYMENT & CLOSING COST ASSISTANCE PROGRAMS

Welcome Home Grant

Get up to $10,000 for Down Payment & Closing Costs. 

Don’t let the potential hurdle of not having enough funds for a down payment or closing costs stop you from achieving your dreams of homeownership! United Bank’s Welcome Home Grant1 may be the perfect match for you.

Up To $10,000 for Down Payment & Closing Costs

  • 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
  • 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

United Bank is a purpose-driven mortgage company that puts families and communities first. We are dedicated to supporting and investing in every neighborhood across our footprint.

Locate a Mortgage Loan Officer near you.

Need help? Give us a call.

We’ll get right back to you.


1.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.