# Utah Down Payment Assistance Programs - Complete Reference > Last updated: January 2026 | https://utahdownpaymentprograms.com This document contains comprehensive information about all down payment assistance (DPA) programs available to Utah homebuyers in 2026. --- ## Table of Contents 1. [What is Down Payment Assistance?](#what-is-dpa) 2. [Types of Assistance](#types-of-assistance) 3. [Eligibility Requirements](#eligibility) 4. [Active Programs](#active-programs) 5. [Programs by Location](#by-location) 6. [Frequently Asked Questions](#faq) 7. [How to Apply](#how-to-apply) --- ## What is Down Payment Assistance? {#what-is-dpa} Down payment assistance (DPA) programs help homebuyers cover their down payment and closing costs. In Utah, these programs are offered by: - **Utah Housing Corporation (UHC)** - Statewide programs - **Counties** - Davis, Weber, Salt Lake, Utah County programs - **Cities** - Layton, Ogden, Murray, Provo, and others - **Nonprofits** - NeighborWorks Salt Lake and others ### Key Statistics (2026) - **22** active programs in Utah - **Up to $85,000** in combined assistance available - **29 counties** covered statewide - **$30,000-$50,000** typical assistance for qualifying buyers --- ## Types of Assistance {#types-of-assistance} ### 1. Grants - **Free money** - no repayment required - Most competitive, limited funding - Examples: At Home in Layton ($10,000), UHC Veteran Grant ($2,500) ### 2. Forgivable Loans - **Forgiven after 5 years** of occupancy - Repaid pro-rata if sold/refinanced early - Most common type in Utah - Examples: Murray City DPA ($30,000), Midvale City DPA ($30,000) ### 3. Deferred Loans - **No monthly payments** - Repaid when you sell, refinance, or pay off mortgage - 0-3% interest typically - Examples: Davis County ($50,000), Provo Home Purchase Plus ($60,000) ### 4. Second Mortgages - **Monthly payments** at favorable rates - Best for maximum assistance amount - Example: UHC Second Mortgage ($10,000-$27,500) --- ## Eligibility Requirements {#eligibility} ### Income Limits Most programs use Area Median Income (AMI) limits: | AMI Level | Family of 4 (Approximate) | |-----------|---------------------------| | 80% AMI | $70,000 - $85,000/year | | 100% AMI | $88,000 - $106,000/year | | 120% AMI | $105,000 - $130,000/year | *Limits vary by county. Salt Lake County has higher limits than rural areas.* ### Credit Requirements - Minimum credit score: **620-680** (varies by program) - Some programs allow lower with FHA loans - Stable employment history required ### Property Requirements - Must be **primary residence** - Purchase price limits apply (typically $400,000-$600,000) - Single-family homes, condos, townhomes usually qualify - Investment properties do NOT qualify ### First-Time Buyer Status - Many programs require first-time buyer status - Definition: Have not owned a home in **past 3 years** - Some programs available to repeat buyers (UHC Score Loan, Community Lending) ### Education Requirements - Most programs require **homebuyer education course** - Online courses available (2-8 hours) - Cost: $50-100 (sometimes reimbursed) --- ## Active Programs {#active-programs} ### Ogden City Homes - **Amount**: Up to $50,000 - **Type**: Deferred Loan - **Agency**: Ogden City Community Development Division - **Location**: Ogden - **Buyer Types**: All buyers - **Income Limit**: 80% AMI - **Funding Status**: ✅ Open **Terms**: UNIQUE PROGRAM: Ogden City builds/renovates affordable homes and sells them WITH financing assistance. Up to $50,000 city carry-back second mortgage (1% min interest, 30-year term) + up to $3,000 closing cost assistance. Occupancy required: 5 years (<$15K), 10 years ($15K-$40K), or 15 years (>$40K). Can combine with Own in Ogden for additional $10K! **How to Apply**: 1) Browse available homes at ogdencityhomes.com. 2) Submit offer to purchase (full listing price only) with Ogden City Homes Application Packet. 3) If multiple offers on day 1, lottery held. 4) Complete HUD-approved homebuyer education (USU Extension or equivalent). 5) Obtain purchase financing from traditional lender. 6) City financing provided at closing. **Website**: https://www.ogdencity.gov/256/Community-Development --- ### Own in Ogden - **Amount**: Up to $20,000 - **Type**: Deferred Loan - **Agency**: Ogden City Community Development - **Location**: Ogden - **Buyer Types**: All buyers - **Income Limit**: 80% AMI - **Funding Status**: ✅ Open **Terms**: 0% interest deferred loan: $10,000 for general buyers, $15,000 for K-12 teachers/administrators or Ogden City employees, $20,000 for Ogden Police Officers & Firefighters. Repaid when home is sold, refinanced, or no longer primary residence. Max purchase price $430K (existing) or $467K (new construction). **How to Apply**: 1) Fill out contact form on Ogden City website to check eligibility. 2) Complete HUD-certified homebuyer education course. 3) Submit application with all required documents (some require notarization). 4) Await conditional approval. 5) Complete safety inspection. 6) Final review & closing. **Website**: https://www.ogdencity.gov/259/Own-in-Ogden --- ### At Home in Layton - **Amount**: Up to $10,000 - **Type**: Grant (no repayment) - **Agency**: Layton City CDBG - **Location**: Layton - **Buyer Types**: First-time buyers only - **Income Limit**: 80% AMI - **Funding Status**: ✅ Open - **Forgiveness**: After 5 years **Terms**: $10,000 grant for up to 50% of required down payment, closing costs, or principal reduction. Secured by Promissory Note and Trust Deed. Must be repaid if home sold before 5 years; fully forgiven after 5 years of occupancy. **How to Apply**: 1. Get pre-approval letter from lender showing amount qualified for. 2. Have accepted Real Estate Purchase Contract (REPC). 3. Submit application with required documents to Layton City. 4. Processing takes up to 2 weeks. 5. Grant disbursed to title company at closing. Application: https://www.laytonecon.org/wp-content/uploads/At-Home-in-Layton-2025-2026-Program-Flyer-and-Application-Guidelines.pdf **Website**: https://www.laytonecon.org/incentives/cdbg/ --- ### Murray City DPA - **Amount**: Up to $30,000 - **Type**: Forgivable Loan - **Agency**: NeighborWorks Salt Lake / Murray City - **Location**: Murray - **Buyer Types**: First-time buyers only - **Income Limit**: 80% AMI - **Funding Status**: ⚠️ Limited funds - **Forgiveness**: After 5 years **Terms**: Up to $30,000 as 0% interest, 5-year forgivable loan/grant. No repayment required if you remain in the home for 5 years. Income restrictions apply. **How to Apply**: LIMITED FUNDS AVAILABLE. 1. Check eligibility requirements on NeighborWorks website. 2. Complete online homebuyer education. 3. Apply through NeighborWorks Salt Lake. **Website**: https://www.nwsaltlake.org/down-payment-assistance --- ### Midvale City DPA - **Amount**: Up to $30,000 - **Type**: Forgivable Loan - **Agency**: NeighborWorks Salt Lake / Midvale City Redevelopment Agency - **Location**: Midvale - **Buyer Types**: First-time buyers only - **Income Limit**: 80% AMI - **Funding Status**: ⚠️ Limited funds - **Forgiveness**: After 5 years **Terms**: Up to $25,000 as 0% interest, 5-year forgivable loan/grant (up to $30,000 for current Midvale residents or employees of a public entity operating within Midvale). No repayment if you stay 5 years. **How to Apply**: LIMITED FUNDS AVAILABLE. 1. Check eligibility requirements on NeighborWorks website. 2. Complete online homebuyer education. 3. Apply through NeighborWorks Salt Lake. **Website**: https://www.nwsaltlake.org/down-payment-assistance --- ### West Valley Chenoa Fund - **Amount**: Up to $25,000 - **Type**: Second Mortgage - **Agency**: CBC Mortgage Agency / Chenoa Fund - **Location**: West Valley City - **Buyer Types**: All buyers - **Income Limit**: 120% AMI - **Funding Status**: ✅ Open **Terms**: 3.5% of purchase price for FHA down payment. Options: 10-year repayable or 30-year 0% loan forgiven after 36 on-time payments. **How to Apply**: Apply through Chenoa Fund approved lender. Minimum 600 credit score required. **Website**: https://chenoafund.org --- ### West Jordan DPA - **Amount**: Up to $7,500 - **Type**: Forgivable Loan - **Agency**: West Jordan Community Development - **Location**: West Jordan - **Buyer Types**: First-time buyers only - **Income Limit**: 80% AMI - **Funding Status**: ✅ Open - **Forgiveness**: After 5 years **Terms**: Up to $7,500 covering half of down payment/closing costs. Forgiven after 5 years. Buyer must contribute $2,500 (seasoned, non-gift). **How to Apply**: Download checklist and application from city website. Submit all required documents to Community Development. **Website**: https://www.westjordan.utah.gov --- ### South Jordan DPA - **Amount**: Up to $20,000 - **Type**: Forgivable Loan - **Agency**: South Jordan Redevelopment Agency - **Location**: South Jordan - **Buyer Types**: All buyers - **Income Limit**: 80% AMI - **Funding Status**: ✅ Open - **Forgiveness**: After 10 years **Terms**: Up to 7.5% of purchase price or $20,000 (whichever less). 0% interest, deferred. Forgiven after 10 years. Early sale penalty applies. **How to Apply**: Download application from city website. Submit with all required documents to RDA. Complete homeownership class. **Website**: https://www.sjc.utah.gov --- ### Eagle Mountain MAP - **Amount**: Up to $25,000 - **Type**: Forgivable Loan - **Agency**: Eagle Mountain City - **Location**: Eagle Mountain - **Buyer Types**: First-time buyers only - **Income Limit**: 120% AMI - **Funding Status**: ✅ Open - **Forgiveness**: After 15 years **Terms**: Up to $25,000 as 0% interest forgivable loan over 15 years. Priority for public employees (teachers, first responders). **How to Apply**: Apply through city portal. Must have pre-approval for primary mortgage. Applications accepted monthly, first-come first-served. **Website**: https://www.eaglemountaincity.com --- ### Provo Home Purchase Plus - **Amount**: Up to $60,000 - **Type**: Deferred Loan - **Agency**: Provo City Development Services - **Location**: Provo - **Buyer Types**: First-time buyers only - **Income Limit**: 80% AMI - **Funding Status**: ✅ Open - **Forgiveness**: After 15 years **Terms**: Up to $60,000 as 0% interest deferred loan for Provo City homes. 50% forgiven after period of affordability: $15k-$25k = 5 years, $25k-$50k = 10 years, $50k+ = 15 years. Minimum 650 credit score required. Must contribute $1,000 own funds. **How to Apply**: 1. Get pre-approved for first mortgage. 2. Get property under contract in Provo. 3. Apply through neighborly.provo.org. 4. Complete homebuyer education course. **Website**: https://www.provo.gov/705/Down-Payment-Assistance-Loan-Programs --- ### Utah County Loan to Own - **Amount**: Up to $40,000 - **Type**: Deferred Loan - **Agency**: Provo City Development Services (Utah Valley HOME Consortium) - **Location**: Utah - **Buyer Types**: First-time buyers only - **Income Limit**: 80% AMI - **Funding Status**: ✅ Open - **Forgiveness**: After 10 years **Terms**: Up to $40,000 as 0% interest deferred loan for Utah County homes (EXCLUDES Eagle Mountain, Fairfield, Highland, and Woodland Hills). 50% forgiven after period of affordability: $15k-$25k = 5 years, $25k-$40k = 10 years. Minimum 650 credit score required. Must contribute $1,000 own funds. **How to Apply**: 1. Get pre-approved for first mortgage. 2. Get property under contract in Utah County (excluding Eagle Mountain, Fairfield, Highland, Woodland Hills). 3. Apply through neighborly.provo.org. 4. Complete homebuyer education course. **Website**: https://www.provo.gov/705/Down-Payment-Assistance-Loan-Programs --- ### UHC FirstHome Loan - **Amount**: Up to $772,400 - **Type**: first_mortgage - **Agency**: Utah Housing Corporation - **Location**: Statewide - **Buyer Types**: First-time buyers only - **Income Limit**: 100% AMI - **Funding Status**: ✅ Open **Terms**: UHC's lowest interest rate first mortgage for first-time homebuyers. FHA or VA financing. Requires 660 minimum credit score. Can be combined with UHC DPA Second Mortgage. Income limits: $116,100-$142,400 (1-2 person) depending on county. Max purchase price varies by county ($544,200-$772,400). **How to Apply**: Apply through a UHC Participating Lender. Lender will verify income/purchase price limits and submit to UHC PowerLender system. **Website**: https://utahhousingcorp.org/lenders/matrices/ --- ### UHC FHA/VA Mortgage - **Amount**: Up to $27,500 - **Type**: first_mortgage - **Agency**: Utah Housing Corporation - **Location**: Statewide - **Buyer Types**: All buyers - **Income Limit**: 120% AMI - **Funding Status**: ✅ Open **Terms**: FHA or VA first mortgage for first-time OR repeat buyers. Interest rate slightly higher than FirstHome. Requires 620 minimum credit score. Allows 1-2 unit properties (can rent part of home). Income limit: $162,500 qualifying income. No purchase price limit. Can combine with UHC DPA. **How to Apply**: Apply through a UHC Participating Lender. Lender verifies eligibility and submits through UHC PowerLender. **Website**: https://utahhousingcorp.org/lenders/matrices/ --- ### UHC Freddie Mac HFA Advantage - **Amount**: Up to $27,500 - **Type**: first_mortgage - **Agency**: Utah Housing Corporation - **Location**: Statewide - **Buyer Types**: All buyers - **Income Limit**: 120% AMI - **Funding Status**: ✅ Open **Terms**: Conventional loan program with potentially lower monthly mortgage insurance than FHA. Requires 680 minimum credit score. May have slightly higher interest rate but lower MI = lower overall payment. Income limit: $162,500. Can combine with UHC DPA. Good for buyers with strong credit. **How to Apply**: Apply through UHC Participating Lender. Loan must be submitted through Freddie Mac LPA. See UHC website for AMI requirements by county. **Website**: https://utahhousingcorp.org/lenders/matrices/ --- ### UHC DPA Second Mortgage (Traditional) - **Amount**: Up to $27,500 - **Type**: Second Mortgage - **Agency**: Utah Housing Corporation - **Location**: Statewide - **Buyer Types**: All buyers - **Income Limit**: 120% AMI - **Funding Status**: ✅ Open **Terms**: Borrow up to 6% of first mortgage loan (max $27,500) for down payment and closing costs. 30-year fixed rate, 1% higher than first mortgage (max 8%). Monthly payment required. Must be combined with UHC first mortgage (FirstHome, FHA/VA, or HFA Advantage). **How to Apply**: Applied for simultaneously with UHC first mortgage through Participating Lender. Both loans serviced by UHC. **Website**: https://utahhousingcorp.org/realtorsbuilders/downpaymentassistance/ --- ### UHC DPA Second Mortgage (Deferred) - **Amount**: Up to $27,500 - **Type**: Deferred Loan - **Agency**: Utah Housing Corporation - **Location**: Statewide - **Buyer Types**: All buyers - **Income Limit**: 120% AMI - **Funding Status**: ✅ Open **Terms**: Borrow up to 3.5% of first mortgage loan (max $27,500) for down payment and closing costs. 30-year fixed at 3.5% deferred simple interest. NO MONTHLY PAYMENT required. Principal + deferred interest due on sale, refinance, or maturity. Must combine with UHC first mortgage. **How to Apply**: Applied for simultaneously with UHC first mortgage through Participating Lender. Both loans serviced by UHC. **Website**: https://utahhousingcorp.org/realtorsbuilders/downpaymentassistance/ --- ### UHC Utah Veteran Grant - **Amount**: Up to $2,500 - **Type**: Grant (no repayment) - **Agency**: Utah Housing Corporation - **Location**: Statewide - **Buyer Types**: First-time buyers only - **Income Limit**: 120% AMI - **Funding Status**: ⚠️ Limited funds **Terms**: TRUE GRANT - $2,500 cash at closing, NO REPAYMENT REQUIRED. For veterans or active military who separated within last 5 years AND are first-time Utah homebuyers. Limited funds available (79 remaining as of Jan 2026). Can combine with any UHC loan program. **How to Apply**: Apply through UHC Participating Lender with proof of military service. First-come, first-served basis. **Website**: https://utahhousingcorp.org/lenders/grants/ --- ### UHC Law Enforcement / Correctional Officer Assistance - **Amount**: Up to $10,000 - **Type**: Grant (no repayment) - **Agency**: Utah Housing Corporation - **Location**: Statewide - **Buyer Types**: First-time buyers only - **Income Limit**: 120% AMI - **Funding Status**: ❌ Closed **Terms**: Special assistance for Utah Law Enforcement Officers and Correctional Officers who are first-time homebuyers. FUNDS CURRENTLY DEPLETED - Waiting list implemented. See UHC website for waiting list instructions. **How to Apply**: Program currently has waiting list. Follow Waiting List Instructions on UHC website to be notified when funds become available. **Website**: https://utahhousingcorp.org/lenders/law-enforcement-grants/ --- ### UHC First-Time Homebuyer Assistance (New Construction) - **Amount**: Up to $20,000 - **Type**: Deferred Loan - **Agency**: Utah Housing Corporation - **Location**: Statewide - **Buyer Types**: First-time buyers only - **Income Limit**: 100% AMI - **Funding Status**: ✅ Open **Terms**: Up to $20,000 for NEW CONSTRUCTION homes only. Funds for down payment, closing costs, and/or permanent rate buydown. Utah Legislature funded $50M to help ~2,500 first-time buyers. 558 remaining as of Jan 2026. Deferred loan, repaid on sale/refi/rental. **How to Apply**: Apply through UHC Participating Lender. Must be purchasing NEW CONSTRUCTION home. Use FTHB Repayment Calculator on UHC website to estimate terms. **Website**: https://utahhousingcorp.org/lenders/sb240/ --- ### BRAG First Time Home Buyer - **Amount**: Up to $3,000 - **Type**: Deferred Loan - **Agency**: Bear River Association of Governments - **Location**: Box Elder, Cache, Rich - **Buyer Types**: First-time buyers only - **Income Limit**: 80% AMI - **Funding Status**: ✅ Open **Terms**: Up to $2,500 (or $3,000 with early workshop completion) as 0% deferred loan. Repaid on sale, refinance, rental, or title transfer. No monthly payments. **How to Apply**: 1) Complete USU homebuyer education workshop (call 435-797-7224). 2) Get mortgage pre-approval. 3) Submit income docs and BRAG application. 4) Find home. 5) Funds provided at closing. **Website**: https://www.brag.utah.gov --- ### Davis County Homeownership Program - **Amount**: Up to $50,000 - **Type**: Deferred Loan - **Agency**: Davis County Community and Economic Development - **Location**: Davis - **Buyer Types**: All buyers - **Income Limit**: 80% AMI - **Funding Status**: ❌ Closed **Terms**: Up to $50,000 as a deferred loan with 1% interest compounded annually. NO MONTHLY PAYMENTS. Full amount + interest repaid when home is sold, refinanced, or ceases to be primary residence. Can be used for principal reduction, rate buydown (max $10K), down payment (50%), and/or closing costs. Can stack with State DPA for up to $70K combined! Max purchase price $500K. **How to Apply**: 1) Get pre-qualification from reputable lender. 2) Execute Real Estate Purchase Contract. 3) Complete HUD-approved homebuyer education (USU Online Course). 4) Apply through Neighborly portal with all documents. 5) Davis County performs visual inspection and environmental review. 6) Processing time ~25-30 days. NOTE: 2025 funds exhausted - Applications reopen July 1, 2026. **Website**: https://www.daviscountyutah.gov/ced/grants-and-community-development/homeownership-assistance --- ### Community Lending Program - **Amount**: Up to $4,500 - **Type**: Grant (no repayment) - **Agency**: Participating Lenders (CRA Designated Areas) - **Location**: Ogden, Salt Lake City, Provo - **Buyer Types**: All buyers - **Income Limit**: 999% AMI - **Funding Status**: ✅ Open **Terms**: HIDDEN GEM: 2% pricing incentive (up to $4,500) for homes in designated CRA areas of Ogden, Salt Lake City, or Provo. NO INCOME LIMITS. Repeat buyers welcome. Results in lower interest rates and/or reduced fees. Must purchase in yellow-highlighted areas on the eligibility map. Can be STACKED with other DPA programs! **How to Apply**: 1) Search the eligibility map at hub.collateralanalytics.com/correspondentsearch for Ogden, UT, Salt Lake City, UT, or Provo, UT. 2) Look for yellow-highlighted areas and properties within them. 3) Work with a participating lender (like The Tim Hawkes Team) who offers this program. 4) Benefit applied automatically at closing if property qualifies. **Website**: https://hub.collateralanalytics.com/correspondentsearch --- ## Currently Unavailable Programs The following programs are temporarily out of funds or closed: - **NeighborWorks Salt Lake City DPA** (NeighborWorks Salt Lake) - Out of funds - **Welcome Home: Own in Logan** (Formerly Neighborhood Nonprofit Housing Corp) - Out of funds --- ## Programs by Location {#by-location} ### Salt Lake County Salt Lake County is Utah's most populous county, home to Salt Lake City and surrounding suburbs. With diverse neighborhoods from urban downtown to suburban communities, the county offers housing options for every budget and lifestyle. **Available Programs**: 12+ programs **Key Programs**: - NeighborWorks Salt Lake City DPA ($40,000) - Murray City DPA ($30,000) - Midvale City DPA ($30,000) - West Valley Chenoa Fund ($25,000) - West Jordan DPA ($7,500) **Cities Covered**: salt-lake-city, west-jordan, south-jordan Learn more: https://utahdownpaymentprograms.com/locations/salt-lake-county ### Utah County Utah County is one of the fastest-growing counties in the nation, home to Provo, Orem, and numerous growing cities. With Utah Valley University and BYU, a strong tech sector, and stunning mountain views, it's increasingly popular with young families and professionals. **Available Programs**: 9+ programs **Key Programs**: - Provo Home Purchase Plus ($60,000) - Utah County Loan to Own ($40,000) - Eagle Mountain MAP ($25,000) - Community Lending Program ($4,500) - UHC DPA Second Mortgage (Traditional) ($27,500) **Cities Covered**: provo Learn more: https://utahdownpaymentprograms.com/locations/utah-county ### Davis County Davis County, located between Salt Lake City and Ogden, is one of Utah's fastest-growing areas. With cities like Layton, Clearfield, Syracuse, and Kaysville, Davis County offers a mix of suburban living with easy access to employment centers and outdoor recreation. **Available Programs**: 7+ programs **Key Programs**: - Davis County Homeownership Program ($50,000) - At Home in Layton ($10,000) - UHC DPA Second Mortgage (Traditional) ($27,500) - UHC DPA Second Mortgage (Deferred) ($27,500) - UHC Utah Veteran Grant ($2,500) **Cities Covered**: layton, clearfield, syracuse, kaysville, bountiful Learn more: https://utahdownpaymentprograms.com/locations/davis-county ### Weber County Weber County, anchored by Ogden, offers some of Utah's most affordable housing with excellent access to outdoor recreation, dining, and culture. The area has seen significant revitalization and is popular with first-time homebuyers. **Available Programs**: 8+ programs **Key Programs**: - Ogden City Homes ($50,000) - Own in Ogden ($20,000) - Community Lending Program ($4,500) - UHC DPA Second Mortgage (Traditional) ($27,500) - UHC DPA Second Mortgage (Deferred) ($27,500) **Cities Covered**: ogden, roy, layton Learn more: https://utahdownpaymentprograms.com/locations/weber-county --- ## Frequently Asked Questions {#faq} ### 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 $60,000+ 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) - 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 $60,000 (Provo Home Purchase Plus). 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**: No repayment required - **Forgivable loans**: Forgiven if you stay in the home for a set period (usually 5 years) - **Deferred loans**: Repaid when you sell, refinance, or pay off the mortgage - **Second mortgages**: Monthly payments but often at below-market rates ### Can I combine multiple DPA programs? Yes! Many Utah programs can be stacked. For example, you could combine a city program (like Murray's $30,000) with a UHC second mortgage ($10,000-$27,500). Some buyers access $50,000+ in combined assistance. ### What credit score do I need? Most programs require a minimum credit score of 620-680. FHA loans (popular with DPA programs) allow scores as low as 580 with 3.5% down. Some programs help buyers with credit improvement. ### Do I need to be a first-time homebuyer? Not always. While many programs target first-time buyers, several Utah programs are available to repeat buyers who meet income requirements. UHC Score Loan, Community Lending Program, and some city programs welcome all buyers. --- ## How to Apply {#how-to-apply} ### Step 1: Check Your Eligibility Take the free eligibility quiz at https://utahdownpaymentprograms.com/quiz to see which programs you may qualify for. No SSN or sensitive information required. ### Step 2: Complete Homebuyer Education Most programs require a HUD-approved homebuyer education course. Online courses take 2-8 hours and cost $50-100. Some programs reimburse this cost. ### Step 3: Get Pre-Approved Work with a lender experienced in DPA programs. They'll verify your income, credit, and eligibility for specific programs. Not all lenders offer all programs. ### Step 4: Find Your Home Search for homes within program price limits and geographic areas. Your lender can help you understand the limits for programs you're targeting. ### Step 5: Apply for DPA Programs Your lender submits applications on your behalf. Some programs like city grants require separate applications. Processing times vary from 1 day to 2+ weeks. ### Step 6: Close on Your Home DPA funds are disbursed at closing. You'll sign documents for your first mortgage plus any DPA loans. --- ## About This Resource Utah Down Payment Programs is a free educational resource maintained by licensed Utah mortgage professionals Tim Hawkes and Jake Peterson (The Tim Hawkes Team | Cornerstone Home Lending). **Contact**: - Email: jake@thetimhawkesteam.com - Phone: (801) 820-7620 / (801) 698-6071 - Website: https://utahdownpaymentprograms.com **Data Sources**: - Utah Housing Corporation (utahhousingcorp.org) - HUD.gov - Individual city and county housing departments - Direct verification with program administrators **Last Updated**: January 2026 --- *This document is provided for informational purposes only. Program details, availability, and requirements may change. Always verify current information with program administrators and participating lenders.*