Utah offers 29 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 6 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.
Maximum assistance available reaches $70,000 through the most generous program. Credit score requirements start as low as 620 for some programs. Most programs require the home to be your primary residence, and many require homebuyer education.
Top Down Payment Assistance Programs in Utah
Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.
HomeChoice Program
verifyNeighborhood Nonprofit Housing Corporation
$70,000
Provo Loan to Own / Home Purchase Plus
verifyCity of Provo
UP TO $40,000 (Loan to Own) or $60,000 (Home Purchase Plus)
Davis County Homeownership Assistance
verifyDavis County
UP TO $50,000
Home Ownership Assistance program
openDavis County
$50,000
CDCU “Own in” Down Payment Assistance Programs (DPA)
openCommunity Development Corporation of Utah
$40,000
Grant Programs (6)
Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.
Down Payment Assistance
Confederated Tribes of Grand Ronde - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Down Payment Assistance
West Jordan City
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Down Payment Assistance Program
West Jordan City
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Layton City's Home Down Payment Assistance
Layton City Economic Development
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Not specified
First-Time Homebuyer Grant
Utah Department of Veteran and Military Affairs
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- VA
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- No
Veteran Grant
Utah Housing Corporation
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, Manufactured, Modular, 2 units
- Max Price
- $772,400
Quick Facts
- Loan Types
- FHA, VA, Freddie Mac
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Not specified
Forgivable Loans (3)
Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.
Provo Loan to Own / Home Purchase Plus
City of Provo
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- $495,000
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
50% forgiven after 10 years (Loan to Own) or 15 years (Home Purchase Plus)
West Valley City DPA
West Valley City
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
West Jordan DPA
City of West Jordan
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
Forgivable after 5 years
Additional Requirements
Buyer must contribute $2,500 of own funds
Notes
Occupancy requirement: 5 years
Deferred Payment Loans (19)
Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.
HomeChoice Program
Neighborhood Nonprofit Housing Corporation
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Interest Rate
1% Fixed Simple Interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Davis County Homeownership Assistance
Davis County
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
1% deferred loan
Home Ownership Assistance program
Davis County
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $500,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
1% Interest rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
CDCU “Own in” Down Payment Assistance Programs (DPA)
Community Development Corporation of Utah
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $492,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Home Purchase Plus Program
Provo - Development Services
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $551,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Loan-to-Own Program
Provo - Development Services
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
- Max Price
- $551,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
CDC of Utah DPA
Community Development Corporation of Utah
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- $522,500,
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred loan
Additional Requirements
Buyer must contribute $1,000 of own funds. Administers Salt Lake City (up to $39,000), Salt Lake County (up to $20,000), and Taylorsville (up to $20,000) programs
FHA/VA Mortgage
Utah Housing Corporation
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Fully Amortizing
First-time Homebuyer Law Enforcement Officer Grant
Utah Housing Corporation
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, Manufactured, Modular, 2 units
- Max Price
- $736,600
Quick Facts
- Loan Types
- FHA, VA, Freddie Mac
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
HFA Advantage
Utah Housing Corporation
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Fully Amortizing
First-Time Homebuyer Assistance (SB240 - New Construction)
Utah Housing Corporation (UHC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- $450,000
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
0% deferred loan
Additional Requirements
Created by SB0240 legislation, $50M allocated. New construction only, under $450K
Notes
Created by SB0240 legislation, $50M allocated
Ogden Own in Ogden
City of Ogden
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
0% deferred loan, not forgivable
Own in Ogden - DPA Program
City of Ogden - Community Development
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $467,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Down Payment Assistance
Tooele County
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Homebuyer Program
Bear River Association of Governments
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Down Payment Assistance
Community Development Corporation of Utah
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Repayment Terms
Deferred Payment - Repayable at sale or refinance
FirstHome
Utah Housing Corporation
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, Manufactured
- Max Price
- $772,400
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Repayment Terms
Fully Amortizing
Chenoa Fund FHA Down Payment Assistance Forgivable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Repayable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Note rate 1% above the first mortgage note rate
Repayment Terms
This loan does require a monthly payment on the second mortgage.
Second Mortgages (1)
These programs provide DPA as a second mortgage, sometimes with monthly payments, sometimes deferred.
UHC Down Payment Assistance
Utah Housing Corporation (UHC)
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Not specified
- Min Credit Score
- 620+
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
30-year second mortgage at 1% above first mortgage rate, or 3.5% deferred option available
How to Apply for Down Payment Assistance in Utah
-
1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
-
2
Contact the Program Administrator
Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
-
3
Get Pre-Approved with a Participating Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
-
4
Complete Homebuyer Education (If Required)
Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
-
5
Close & Move In
DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.
Frequently Asked Questions
How much down payment assistance can I get in Utah?
Up to $70,000 through available programs in Utah. Multiple programs can often be combined for even more assistance. The exact amount depends on your income, location, and the specific program requirements.
Do I need to be a first-time homebuyer?
Not always. 10 programs in Utah are open to repeat buyers. "First-time buyer" is typically defined as not having owned a home in the past three years.
What credit score do I need?
As low as 620 for some programs. Most programs require 620-660. Higher credit scores may qualify you for more programs and better terms.
Can I combine multiple DPA programs?
In many cases, yes. Some programs are specifically designed to be layered with others. For example, you might combine a state grant with a local deferred loan. Check with each program administrator about stacking eligibility.
DPA Programs in Nearby States
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