What is down payment assistance in Utah?

Down payment assistance (DPA) programs in Utah provide grants, forgivable loans, or low-interest second mortgages to help homebuyers cover their down payment and closing costs. Programs are offered by the state (Utah Housing Corporation), counties, and cities, with assistance amounts ranging from $2,500 to $85,000 depending on the program.

Who qualifies for Utah down payment assistance?

Eligibility varies by program but typically includes income limits (usually 80-120% of Area Median Income), property location requirements, minimum credit scores (typically 620-680), and sometimes first-time homebuyer status. Some programs have special benefits for teachers, first responders, veterans, and healthcare workers.

How much down payment assistance can I get in Utah?

Utah homebuyers can access up to $85,000 in combined assistance by stacking multiple programs. Individual programs range from $2,500 (UHC Veteran Grant) to $50,000+ (Davis County, Own in Ogden for qualifying occupations). The exact amount depends on your location, income, occupation, and which programs you qualify for.

Do I have to pay back down payment assistance?

It depends on the program type. Grants don't require repayment. Forgivable loans are forgiven if you stay in the home for a set period (usually 5 years). Deferred loans are repaid when you sell, refinance, or pay off the mortgage. Second mortgages have monthly payments but often at below-market rates.

How do I apply for Utah down payment assistance?

Start by taking our free eligibility quiz to see which programs you may qualify for. Then, work with a participating lender (like The Tim Hawkes Team) who can verify your eligibility and guide you through the application process for each program. Most programs require homebuyer education courses.

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Utah DPADown Payment Finder

Serving All of Utah

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Discover which Utah down payment programs you may qualify for. Take our free 5-minute quiz and unlock up to $85,000 in home buying assistance.

Utah DPA Finder is a free educational resource. Program eligibility is determined by administering agencies and participating lenders.

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Utah has some of the best down payment programs in the nation

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Optionally connect with a licensed lender who can verify eligibility and guide your application.

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We track all available down payment assistance programs across Utah so you don't miss out on money you're eligible for.

13+ Utah down payment assistance programs

City, county, and statewide options

First-time buyer and repeat buyer programs

Special programs for veterans & teachers

Grants and forgivable loans available

Expert guidance through the process

Murray

Forgivable Loan

$85,000

Provo

Deferred Loan

$60,000

Salt Lake City

Forgivable Loan

$40,000

Eagle Mountain

Forgivable Loan

$25,000

...and many more programs available

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The Tim Hawkes Team | Cornerstone Home Lending

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