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down payment assistance programs
For eligible homebuyers, down payment assistance may help reduce some of the upfront costs that come with buying a home. United works with select state-specific programs and can help you explore available options and understand the next steps.
what is down payment assistance?
how to see if U qualify
Down payment assistance programs may help eligible homebuyers cover upfront costs like a down payment or closing expenses. These programs are typically offered through state housing agencies and may be paired with a qualifying United mortgage.
Program availability, eligibility requirements, and assistance types vary by state.
available in select states
United works with state housing programs that may offer down payment assistance for eligible homebuyers in the following states. Select your state below to learn more. Down payment assistance programs through United are not currently available in Pennsylvania or North Carolina.
- Arkansas United works with Arkansas Development Finance Authority (ADFA) programs that may pair down payment assistance with eligible first mortgage options for qualifying homebuyers. Program availability, requirements, and eligibility guidelines vary by program. Explore official program details ADFA Homeownership Programs
ADFA Program Guidelines
- Indiana United works with Indiana Housing & Community Development Authority (IHCDA) programs that may include down payment assistance options for eligible homebuyers. Available programs, eligibility, and assistance structure vary by program. Explore official program details IHCDA Homebuyer Programs
- Michigan United works with Michigan State Housing Development Authority (MSHDA) programs that may offer down payment assistance for eligible homebuyers. Program details, eligibility requirements, and current limits vary by program. Explore official program details MI 10K Down Payment Assistance Loan
Michigan State Housing Development Authority (MSHDA)
- Nevada United works with Nevada Housing Division programs that may offer down payment assistance for eligible homebuyers. Available options may vary based on buyer type, occupation, and loan structure. Explore official program details Home Is Possible Programs
Worker Advantage Program
- North Carolina Down payment assistance programs through United are not currently available in North Carolina.
- Ohio United works with Ohio Housing Finance Agency (OHFA) programs that may offer down payment assistance options for eligible homebuyers. Eligibility, assistance structure, and requirements vary by program. Explore official program details Ohio Housing Finance Agency (OHFA)
- Pennsylvania Down payment assistance programs through United are not currently available in Pennsylvania.
how these programs typically work
Down payment assistance programs are not one-size-fits-all. Depending on the state program, assistance may be available as a grant, a second mortgage, or another form of financial support that helps reduce upfront homebuying costs.
Some programs are designed for first-time homebuyers, while others may also be available to repeat buyers, borrowers in targeted areas, or individuals in qualifying professions such as healthcare, education, or public service.
Program requirements vary, but might include:
- Income limits based on household size and location
- Home purchase price limits
- Minimum credit and loan qualification requirements
- Property eligibility guidelines
Some programs also require completion of a homebuyer education course.
To qualify, borrowers must typically meet the requirements for both the primary mortgage loan and the down payment assistance program. Because program details can change and vary by location, reviewing current program information and speaking with a mortgage advisor is an important next step.
frequently asked questions
A: Down payment assistance refers to programs that may help eligible homebuyers cover some of the upfront costs of purchasing a home. Depending on the program, assistance may be used toward a down payment, closing costs, or other qualified homebuying expenses. Consult a mortgage advisor for more information.
A: It depends on the program. Down payment assistance may be offered as a grant, a second mortgage, a forgivable loan, or another type of financial support. Repayment terms and requirements vary by state and program.
A: Not always. Some down payment assistance programs are designed for first-time homebuyers, while others may also be available to repeat buyers, borrowers in targeted areas, or individuals in qualifying professions or situations. Eligibility depends on the specific program. Consult with a mortgage advisor for more information.
A: United currently works with select down payment assistance programs in Michigan, Indiana, Arkansas, Nevada, and Ohio. These programs are not currently offered through United in Pennsylvania or North Carolina.
A: Because program details, limits, and eligibility requirements may change, the best place to find the most current information is through the official state housing program websites linked on this page, or by connecting with a local mortgage advisor.
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All offers, programs, and terms subject to change. All loans subject to credit and collateral approval as well as program terms and conditions. Consult a mortgage advisor for more details.