Don't Stress Out About a Down Payment

Our Union Home Mortgage 1% Down Payment Program is designed to get first-time homebuyers into a home. You put as little as 1% down and Union Home will kick-in another 2%.Start your home ownership journey today!

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The UHM Cash Estimator Tool

Did you know that you have money hidden inside your home? Check out our cash estimator and put your home equity to use!

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Union Home Mortgage will contribute up to 2% down (no greater than $2500) towards a 3% down payment. Home buyer is responsible for the remainder of the down payment. This offer is available for the purchase of a primary residence only. Offer valid for home buyers when qualifying income is less than or equal to 80% area median income based on county where property is located. At least one occupying borrower must be a first-time homebuyer. Application dates on or after 11/15/2023 are eligible. Offer cannot be retroactively applied. Borrower must own home 12 months after closing. This is not a commitment to lend. Union Home Mortgage has the right to accept, decline, or limit the use of any discount or offer. Acceptance of this offer constitutes the acceptance of these terms and conditions, which are subject to change without notice. Additional conditions may apply. 1% down payment example for a 30-year fixed-rate Conventional loan: Total sales price $125,000, down payment $3,750 (Buyer-$1,250, Gift-$2,500), loan amount $121,250, interest rate 7.5%, Annual Percentage Rate (APR) 7.77%, final principal and interest payment $848. Taxes, insurance, and mortgage insurance will be part of the total mortgage payment but are not included in this example. This example is for illustrative purposes only and may or may not be the current interest rate offered. Call for the current rate and full disclosure of current terms.