# Utah Down Payment Assistance Programs - Complete Reference

> Last updated: September 2026 | https://www.utahdownpaymentprograms.com

This document contains comprehensive information about all down payment assistance (DPA) programs available to Utah homebuyers in 2026.

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## 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)

- **25** 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**: ❌ Closed


**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 when city inventory is available. Currently no homes listed and none expected in the near term.

**How to Apply**: ⏸️ No homes currently available — Ogden City has no inventory listed and none expected in the near term. Check ogdencityhomes.com or call 801-629-8940 for updates.
When a home is listed:
1. Browse available homes at ogdencityhomes.com.
2. Submit offer to purchase (must be full listing price) with Ogden City Homes Application Packet.
3. If multiple offers received on day 1, a lottery is held.
4. Complete HUD-approved homebuyer education (USU Extension or equivalent).
5. Obtain purchase financing from a traditional mortgage lender.
6. City financing (up to $50K second mortgage) 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**: Own in Ogden is Ogden City's down payment assistance program providing 0% interest, deferred-payment loans to help buyers purchase a home in Ogden. Loan amounts: $10,000 for general homebuyers, $15,000 for K-12 teachers/administrators in Ogden schools or Ogden City employees, $20,000 for sworn Ogden Police Officers & Firefighters. Not just for first-time buyers! Any home in Ogden is eligible, including new construction. Max price: $430K (existing) or $467K (new). Repaid only when you sell, refinance, or move out. Stacks with Utah Housing Corporation (UHC) programs — Ogden City takes third lien position (confirmed).

**How to Apply**: ✅ Funds replenished July 1, 2026 — apply early as availability is first-come, first-served.
1. Check eligibility on Ogden City website or call 801-629-8940.
2. Get pre-approved with a mortgage lender.
3. Complete a HUD-certified homebuyer education course.
4. Find a home in Ogden (any home qualifies, including new construction!).
5. Submit the Own in Ogden application online (link below).
6. Complete city safety inspection.
7. Receive funds at closing for down payment, closing costs, or principal reduction.

**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 the amount you qualify for.
2. Have an accepted Real Estate Purchase Contract (REPC) for a home in Layton.
3. Download and complete the application form (link below).
4. Submit application with all required documents to Layton City.
5. Processing takes approximately 2 weeks.
6. Grant funds are disbursed directly to the title company at closing.

**Website**: https://www.laytonecon.org/incentives/cdbg/

---

### Salt Lake City CDCU DPA Loan

- **Amount**: Up to $120,000
- **Type**: Deferred Loan
- **Agency**: CDCU (Community Development Corporation of Utah)
- **Location**: Salt Lake City
- **Buyer Types**: First-time buyers only
- **Income Limit**: 80% AMI
- **Funding Status**: ✅ Open


**Terms**: 2026-2027 CDCU Down Payment Assistance Loan for Salt Lake City municipal boundaries only. Silent second mortgage up to 20% of purchase price (max $120,000) for down payment and/or closing costs — award based on funds needed to close. 5% fixed interest accrues annually over 30 years with NO monthly payments; balance due at end of term, sale, refi, transfer, or if property ceases to be primary residence. NOT forgivable. 80% AMI income limit. First-time homebuyers only (HUD definition). FICO 640+ (lender requirement). Stacks behind 1st mortgage and Utah Housing 2nd — CDCU takes 3rd lien (cannot be lower than 3rd position). 2% origination fee may be financed.

**How to Apply**: ✅ 2026-2027 program open — first come, first qualified until funds are depleted.
1. Verify property is within Salt Lake City municipal boundaries (not county-wide).
2. Confirm first-time homebuyer status and household income ≤80% AMI.
3. Get pre-approved with a lender (FHA, Conventional, USDA, or VA fixed-rate).
4. Execute a purchase contract (REPC) — submit a fully complete application with all checklist documents.
5. Complete HUD-approved homebuyer education course.
6. After approval, complete mandatory 1-on-1 CDCU pre-purchase counseling before closing.
7. CDCU orders visual assessment; allow 25-30 business days total (no rushes).
8. Funds wired to title at closing.

Submit application:
• Email: dpa@cdcutah.org
• Fax: 801-994-7220 (Attn: DPA Dept.)
• In person: 501 E. 1700 S., Salt Lake City, UT 84105

**Website**: https://www.cdcutah.org/dpa

---

### 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**: 120% 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 — Apply soon!
1. Visit NeighborWorks Salt Lake website to check eligibility.
2. Complete online homebuyer education course.
3. Get pre-approved with a mortgage lender.
4. Find a home within Murray city limits.
5. Apply through NeighborWorks Salt Lake.
6. Submit income documentation for 120% AMI verification.
7. Funds disbursed at closing if approved.

**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 — Apply soon!
1. Visit NeighborWorks Salt Lake website to check eligibility.
2. Complete online homebuyer education course.
3. Get pre-approved with a mortgage lender.
4. Find a home within Midvale city limits.
5. Apply through NeighborWorks Salt Lake.
6. Provide proof of Midvale residency/employment for $30K max (otherwise $25K).
7. Funds disbursed at closing if approved.

**Website**: https://www.nwsaltlake.org/down-payment-assistance

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### 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**: 1. Verify you have at least a 600 credit score.
2. Contact a Chenoa Fund approved lender (ask your lender if they participate).
3. Get pre-approved for an FHA loan.
4. Find a home in West Valley City.
5. Choose your DPA option:
   • 10-year repayable second mortgage, OR
   • 30-year 0% loan forgiven after 36 on-time payments.
6. Close on your home with 3.5% down payment covered.

**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**: 1. Verify you're a first-time homebuyer (no ownership in past 3 years).
2. Confirm you have $2,500 in seasoned, non-gift funds to contribute.
3. Get pre-approved with a mortgage lender.
4. Find a home within West Jordan city limits.
5. Download checklist and application from city website.
6. Submit all required documents to Community Development.
7. Receive up to $7,500 covering half of down payment/closing costs at closing.

**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**: 1. Verify you meet income requirements (≤80% AMI) and have ≤$15,000 in liquid assets.
2. Confirm you can contribute at least $1,000 of your own funds.
3. Complete a HUD-approved homeownership education class.
4. Get pre-approved with a mortgage lender.
5. Find a home within South Jordan city limits.
6. Download application from South Jordan city website.
7. Submit application with all required documents to the RDA.
8. Receive up to 7.5% of purchase price (max $20,000) at closing.

**Website**: https://www.sjc.utah.gov

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### 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 a 0% interest, 15-year forgivable second-position loan for first-time homebuyers in Eagle Mountain. Income limit 120% Utah County AMI ($99,750 single → $188,025 for 8-person household, FY 2025–26). Min FICO 650, max housing expense ratio 47%, max DTI 50%, $1,000 minimum buyer contribution. FHA, VA, and Conventional fixed-rate loans all eligible. Three-tier forgiveness: Tier 1 (Eagle Mountain City, Alpine SD, Utah County, Unified Fire Authority, Central Utah Water Conservancy District employees) — forgiven over 3–5 years; Tier 2 (other public employees, educators, law enforcement, fire, medical, veterans, active-duty military) — forgiven over 5–10 years; Tier 3 (general applicants) — forgiven over 10–15 years. $2,000 early-sale penalty if home is sold or rented within first 2 years. Application deadline 15th of each month; eligibility decisions within 15 business days.

**How to Apply**: 1. Verify you're a first-time homebuyer (no current home ownership) with HOUSEHOLD income (everyone 18+ in the home) ≤120% Utah County AMI.
2. Confirm minimum financials: FICO ≥650, housing expense ratio (PITI + HOA) ≤47%, total DTI ≤50%.
3. Get pre-approved for a fixed-rate FHA, VA, or Conventional first mortgage from a traditional lender. (You can apply for MAP at the same time you seek pre-approval.)
4. Find a home within Eagle Mountain city limits — must be owner-occupied; co-signers who won't live in the home are not allowed; married couples/partners must apply together.
5. Complete a free Homebuyer Education Course (Fannie Mae or Freddie Mac course is acceptable; can be done after MAP approval but must be done before closing).
6. Submit application by the 15th of the month with: federal tax returns, proof of income, bank statements, all-debts documentation, proof of identity & citizenship, $1,000 minimum contribution proof.
7. Determine your tier: Tier 1 (Eagle Mountain City / Alpine SD / Utah County / Unified Fire / CUWCD employees) → forgiveness in 3–5 years. Tier 2 (other public employees, educators, law enforcement, fire, medical, veterans, active-duty military) → 5–10 years. Tier 3 (general applicants) → 10–15 years.
8. Within each tier, lower-AMI applicants get higher priority. Eligibility notification within 15 business days after the application window closes.
9. Receive up to $25,000 at closing as a 0% interest deferred/forgivable second mortgage.
10. Stay in the home — selling or renting within 2 years incurs a $2,000 penalty plus prorated repayment. After your tier's forgiveness window, submit a Loan Forgiveness Request (forgiveness is NOT automatic) with proof of occupancy and (Tier 1/2) employment verification.

**Website**: https://eaglemountain.gov/government/mortgage-assistance-program/

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### 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. Verify you're a first-time homebuyer with income ≤80% AMI and ≤$15K liquid assets.
2. Check your credit score (minimum 650 required).
3. Get pre-approved for your first mortgage.
4. Find a home within Provo city limits (max purchase price $537,700).
5. Get property under contract.
6. Complete HUD-approved homebuyer education course.
7. Apply through neighborly.provo.org with all required documents.
8. Receive up to $60,000 as 0% interest deferred loan at closing.

**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. Verify you're a first-time homebuyer with income ≤80% AMI and ≤$15K liquid assets.
2. Check your credit score (minimum 650 required).
3. Confirm property is in Utah County but NOT in Eagle Mountain, Fairfield, Highland, or Woodland Hills.
4. Get pre-approved for your first mortgage.
5. Find a home (max purchase price $537,700).
6. Get property under contract.
7. Complete HUD-approved homebuyer education course.
8. Apply through neighborly.provo.org with all required documents.
9. Receive up to $40,000 as 0% interest deferred loan at closing.

**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**: 1. Find a UHC Participating Lender (list on utahhousingcorp.org).
2. Verify you're a first-time homebuyer with income within limits.
3. Check your credit score (minimum 660 required).
4. Get pre-approved for FHA or VA financing.
5. Find a home within purchase price limits for your county.
6. Lender submits your application through UHC PowerLender system.
7. Can combine with UHC DPA Second Mortgage for additional assistance.

**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**: 1. Find a UHC Participating Lender (list on utahhousingcorp.org).
2. Verify your qualifying income is within limits ($162,500 max).
3. Check your credit score (minimum 620 required for FHA/VA).
4. Get pre-approved for FHA or VA financing.
5. Find a home (no purchase price limit — can be 1-2 unit property).
6. Lender submits your application through UHC PowerLender system.
7. Open to first-time AND repeat buyers!
8. Can combine with UHC DPA Second Mortgage for additional assistance.

**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**: 1. Find a UHC Participating Lender (list on utahhousingcorp.org).
2. Verify your qualifying income is within limits ($162,500 max).
3. Check your credit score (minimum 680 required — higher than FHA).
4. Get pre-approved for conventional financing.
5. Find a home within purchase limits.
6. Lender submits loan through Freddie Mac LPA system.
7. Potentially LOWER monthly payments than FHA due to reduced MI!
8. Can combine with UHC DPA Second Mortgage for additional assistance.

**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). Can stack with local city/county DPA when the local program agrees to third lien position (UHC 2nd, local DPA 3rd).

**How to Apply**: 1. Apply for a UHC first mortgage (FirstHome, FHA/VA, or HFA Advantage).
2. Tell your lender you want the Traditional DPA Second Mortgage.
3. Borrow up to 6% of your first mortgage amount (max $27,500).
4. Both loans are applied for and processed together.
5. Monthly payment required on this second mortgage.
6. Interest rate is 1% higher than your first mortgage (max 8%).
7. 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. Can stack with local city/county DPA when the local program agrees to third lien position (UHC 2nd, local DPA 3rd).

**How to Apply**: 1. Apply for a UHC first mortgage (FirstHome, FHA/VA, or HFA Advantage).
2. Tell your lender you want the Deferred DPA Second Mortgage.
3. Borrow up to 3.5% of your first mortgage amount (max $27,500).
4. Both loans are applied for and processed together.
5. NO MONTHLY PAYMENT required on this loan!
6. Principal + 3.5% deferred interest due when you sell, refinance, or at loan maturity.
7. 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**: ⚡ LIMITED FUNDS — Only 79 grants remaining as of Jan 2026!
1. Verify you're a veteran or active military who separated within the last 5 years.
2. Verify you're a first-time Utah homebuyer.
3. Find a UHC Participating Lender.
4. Provide proof of military service (DD-214 or equivalent).
5. Apply through your lender — first-come, first-served.
6. Can combine with any UHC loan program.
7. Receive $2,500 TRUE GRANT at closing — NO REPAYMENT!

**Website**: https://utahhousingcorp.org/lenders/grants/

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### 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**: ⚠️ FUNDS DEPLETED — Waiting list active.
1. Visit utahhousingcorp.org and find the Law Enforcement Grant page.
2. Follow the Waiting List Instructions to add your name.
3. You'll be notified when new funds become available.
4. When funding reopens:
   • Verify you're a Utah law enforcement officer or correctional officer.
   • Verify you're a first-time homebuyer.
   • Apply through a UHC Participating Lender.

**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**: ⚡ 558 allocations remaining as of Jan 2026 — Apply soon!
1. Verify you're a first-time homebuyer with income ≤100% AMI.
2. Find a NEW CONSTRUCTION home (existing homes do NOT qualify).
3. Use the FTHB Repayment Calculator on utahhousingcorp.org to estimate terms.
4. Find a UHC Participating Lender.
5. Get your new construction purchase contract.
6. Lender submits application through UHC PowerLender.
7. Receive up to $20,000 for down payment, closing costs, and/or rate buydown.

**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 to register).
   💡 Complete EARLY to qualify for $3,000 instead of $2,500!
2. Get pre-approved for your mortgage.
3. Download and complete the BRAG application.
4. Submit income documentation and BRAG application.
5. Find a home in Box Elder, Cache, or Rich County.
6. Get property under contract.
7. Funds provided at closing as 0% deferred loan.

**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**: ✅ Open


**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. Stacks with UHC programs when Davis County agrees to third lien position (UHC 2nd, county DPA 3rd). Max purchase price $500K.

**How to Apply**: ✅ Funding replenished July 1, 2026 — applications now being accepted.
1. Get pre-qualification letter from a reputable lender.
2. Execute a Real Estate Purchase Contract (REPC) for a Davis County home.
3. Complete HUD-approved homebuyer education (USU Online Course recommended).
4. Download the application packet (link below) and gather required documents.
5. Apply through the Neighborly portal or submit directly to Davis County.
6. Davis County performs visual inspection and environmental review.
7. Processing takes approximately 25-30 days.
8. Funds disbursed at closing.

**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**: Statewide
- **Buyer Types**: All buyers
- **Income Limit**: 999% AMI
- **Funding Status**: ✅ Open


**Terms**: Up to 1% pricing incentive (max $4,500) for homes in designated CRA areas across Utah. NO INCOME LIMITS. Repeat buyers welcome. Results in lower interest rates and/or reduced fees. Property must be in a purple-shaded CRA area on the HomeStory eligibility map. Can be STACKED with UHC and local DPA programs!

**How to Apply**: 🗺️ Find CLP-Eligible Homes:
1. Search on the HomeStory map (link below) with CLP filtering enabled.
2. Look for PURPLE-SHADED CRA areas on the map.
3. Select listings within those purple areas.

📋 Apply:
4. Work with a participating lender (The Tim Hawkes Team offers this program).
5. No income limits — all buyers qualify!
6. Up to 1% pricing incentive (max $4,500) applied automatically at closing.
7. Can STACK with UHC and local DPA programs for maximum savings!

**Website**: https://chase.homestory.co/clp/homestoryut/search-results?clp_eligible=1

---

### FHLB HELP Program

- **Amount**: Up to $20,000
- **Type**: Forgivable Loan
- **Agency**: Federal Home Loan Bank (FHLB)
- **Location**: Statewide
- **Buyer Types**: First-time buyers only
- **Income Limit**: 80% AMI
- **Funding Status**: ✅ Open


**Terms**: Homebuyer Equity Leverage Partnership (HELP) - $20,000 forgivable grant for Utah buyers. Available with Conventional, FHA, VA, or USDA loans. Fixed rate 15, 20, 25, or 30-year terms. Purchase or refinance. Owner-occupied 1-4 unit properties. First-time homebuyers only with household income ≤80% AMI. Minimum $500 borrower contribution required.

**How to Apply**: ✅ Funds confirmed available as of July 7, 2026 — first-come, first-served.
1. Verify you're a first-time homebuyer (no ownership in past 3 years).
2. Verify your HOUSEHOLD income is ≤80% AMI for your county.
   (All permanent occupants' income counts, not just borrowers!)
3. Confirm you can contribute at least $500 of your own funds.
4. Work with a participating lender who offers FHLB programs.
   (The Tim Hawkes Team participates in this program!)
5. Lender submits application to FHLB on your behalf.
6. Receive $20,000 forgivable grant at closing!

**Website**: https://www.fhlb.com

---

### HomeChoice

- **Amount**: Up to $70,000
- **Type**: Second Mortgage
- **Agency**: Neighborhood Nonprofit Housing Corporation (NNHC)
- **Location**: Statewide
- **Buyer Types**: Repeat buyers welcome
- **Income Limit**: 80% AMI
- **Funding Status**: ❌ Closed


**Terms**: Statewide 2nd mortgage for Utah buyers with disabilities (or whose household includes someone with a disability per ADA 1990 / Fair Housing Amendment Act 1988). Up to $70,000 at 1% fixed for 30 years, no prepayment penalty. Pairs with a primary mortgage to lower the overall monthly payment. Existing single-family homes only. Funded by the Olene Walker Housing Loan Fund through the State of Utah. Currently out of funds — NNHC approved for additional funding; expected August–September 2026.

**How to Apply**: ⏸️ Currently out of funds — NNHC approved for additional funding; expected August–September 2026. Contact Suzanne to get on the list.
1. Confirm a borrower or household member meets the ADA / Fair Housing disability definition.
2. Verify household income meets current HUD income limits for your county.
3. Obtain pre-approval for a primary mortgage (FICO 640+, DTI ≤ 45%).
4. Contact Suzanne at NNHC: 435-799-8116 / sjacob@nnhc.org for the HomeChoice application.
5. Identify an existing single-family home in Utah; contribute at least $500 of your own funds.
6. Close primary mortgage with HomeChoice as a 2nd lien at closing.

**Website**: https://nnhc.org/buy-a-home/

---



## Currently Unavailable Programs

The following programs are temporarily out of funds or closed:


- **Clearfield City Down Payment Assistance (CCDP)** (Davis Community Housing Authority (DCHA)) - Out of funds

- **NeighborWorks Salt Lake City DPA** (NeighborWorks Salt Lake) - Out of funds

- **Salt Lake City 'Plus' DPA (Legacy)** (CDCU (Community Development Corporation of Utah)) - 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 down payment assistance programs help first time home buyers throughout Utah's most populous county. Salt Lake City offers CDCU DPA up to 20% of purchase price (max $120K), plus Murray, Midvale, West Jordan, and South Jordan city programs, FHLB HELP, and UHC statewide programs.

**Available Programs**: 14+ programs

**Key Programs**:
- FHLB HELP Program ($20,000)
- Salt Lake City CDCU DPA Loan ($120,000)
- NeighborWorks Salt Lake City DPA ($40,000)
- Murray City DPA ($30,000)
- Midvale City DPA ($30,000)

**Cities Covered**: salt-lake-city, west-jordan, south-jordan

Learn more: https://www.utahdownpaymentprograms.com/locations/salt-lake-county


### Utah County

Utah County down payment assistance programs help first time home buyers in one of America's fastest-growing counties. Provo's Home Purchase Plus ($60,000), Utah County Loan to Own ($30,000), FHLB HELP grant ($20,000), and UHC programs offer substantial combined assistance for Provo, Orem, Lehi, and other Utah County cities.

**Available Programs**: 10+ programs

**Key Programs**:
- FHLB HELP Program ($20,000)
- Provo Home Purchase Plus ($60,000)
- Utah County Loan to Own ($40,000)
- Eagle Mountain MAP ($25,000)
- Community Lending Program ($4,500)

**Cities Covered**: provo

Learn more: https://www.utahdownpaymentprograms.com/locations/utah-county


### Davis County

Davis County down payment assistance programs help first time home buyers purchase homes in Layton, Clearfield, Syracuse, Kaysville, Bountiful, and other Davis County cities. Located between Salt Lake City and Ogden, Davis County is one of Utah's most desirable areas for families seeking excellent schools, FrontRunner commuter rail access, and a mix of suburban living.

**Available Programs**: 10+ programs

**Key Programs**:
- FHLB HELP Program ($20,000)
- Davis County Homeownership Program ($50,000)
- At Home in Layton ($10,000)
- Clearfield City Down Payment Assistance (CCDP) ($7,500)
- Community Lending Program ($4,500)

**Cities Covered**: layton, clearfield, syracuse, kaysville, bountiful

Learn more: https://www.utahdownpaymentprograms.com/locations/davis-county


### Weber County

Weber County down payment assistance programs help first time home buyers access some of Utah's most affordable housing. Ogden offers Own in Ogden ($10,000–$20,000) plus countywide FHLB HELP and UHC programs. Ogden City Homes ($50,000 financing) exists but has no inventory currently.

**Available Programs**: 9+ programs

**Key Programs**:
- FHLB HELP Program ($20,000)
- Ogden City Homes ($50,000)
- Own in Ogden ($20,000)
- Community Lending Program ($4,500)
- UHC DPA Second Mortgage (Traditional) ($27,500)

**Cities Covered**: ogden, roy, layton

Learn more: https://www.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! Utah Housing Corporation (UHC) programs can stack with local city or county DPA when the local program agrees to third lien position (1st mortgage → UHC 2nd → local DPA 3rd). Own in Ogden and Davis County have confirmed this arrangement. Example: Murray City DPA ($30,000) + UHC DPA ($27,500) + FHLB HELP ($20,000) = $77,500. Always confirm stacking with your lender and the local program administrator.

### 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://www.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.

---

## 100% Financing (not DPA) {#hundred-percent-financing}

These are specialty first mortgages. They are not grants or forgivable DPA. Utah Housing second mortgages stay in the DPA directory.

### VA loans {#va-loan}
- Eligible veterans, active-duty service members, and certain surviving spouses, with a Certificate of Eligibility
- No monthly mortgage insurance. One-time VA funding fee instead, typically 2.15% on a first use with no down payment. Some disabled veterans have the fee waived
- 100% financing is the typical benefit when entitlement covers the price. Not guaranteed for every buyer
- Hill AFB / Clearfield is local context for the lender. The loan is statewide
- UHC FirstHome and UHC FHA/VA can be the VA first-mortgage path and can pair with a UHC DPA second. The second stays a second mortgage
- UHC Utah Veteran Grant: $2,500 true grant for eligible first-time Utah buyers who separated within 5 years, when funds remain. Separate from the VA loan
- Details: https://www.utahdownpaymentprograms.com/va-loan
- Source: https://www.thetimhawkesteam.com/loans/va

### USDA loans {#usda-loan}
- USDA Single Family Housing Guaranteed loan for a primary residence
- 100% financing only when the address is eligible and household income is within the county limit. Dollar income caps are not listed here because they change
- Salt Lake City, Provo, and most of the urban Wasatch Front typically do not qualify. Buyers must check the USDA eligibility map. This site does not name specific cities as eligible
- Guarantee fee instead of monthly PMI. The Tim Hawkes Team guide lists 1% upfront and 0.35% annual; USDA can change those fees
- FHLB HELP and Salt Lake City CDCU already list USDA as an allowed first-mortgage type. UHC DPA seconds attach to a UHC first mortgage, not to a USDA loan
- Details: https://www.utahdownpaymentprograms.com/usda-loan
- Source: https://www.thetimhawkesteam.com/loans/usda

## Doctor and Professional Mortgages (not DPA) {#doctor-mortgage}

These are specialty first mortgages with up to 100% financing and no monthly mortgage insurance. They are not grants, forgivable seconds, or deferred DPA, and they cannot be stacked with a down-payment-assistance lien. Details: https://www.utahdownpaymentprograms.com/doctor-mortgage

Source guidelines: https://www.thetimhawkesteam.com/loans/doctor-mortgage

### Professionals Plus
- Cornerstone Capital Bank portfolio 5/6 ARM for a primary-home purchase only
- 100% financing from $250,000 up to the county conforming limit with score 720 and debt ratio 38% or less. 2026 one-unit conforming limit is $832,750 in most counties
- Above the conforming limit, up to $1,500,000: 95% financing, 5% of the borrower's own funds, score 720, debt ratio 36%
- No monthly mortgage insurance. Seller contribution up to 6%. Cannot add a second mortgage or DPA lien
- Who: MD, DO, DPM (including residents and fellows), DDS, DMD, registered nurses, nurse practitioners (FNP, AGPCNP, PNP, PMHNP), attorneys working as associate/partner/counsel, CPAs
- Not eligible: pharmacists, veterinarians, optometrists, physician assistants, foreign nationals
- Student loans deferred at least 12 months at closing can be excluded from the debt ratio
- Last revised July 20, 2026

### Medical Professionals loan
- Separate program: 15- to 30-year fixed, or 5/6, 7/6, or 10/6 ARM
- Primary-home purchase or rate-and-term refinance, for financing more than 90% of the price
- 680 score: 100% up to $1,500,000, or 95% up to $2,000,000. 720 score: 100% up to $2,000,000
- Minimum loan $100,000 fixed or $350,000 ARM. No monthly mortgage insurance and no second mortgage
- Who: MD, DO, DDS, DMD, DPM (including residents, fellows, interns), PharmD, DVM, CRNA (DNAP or DNP), nurse practitioners (MSN or DNP)
- Not eligible: registered nurses, attorneys, CPAs, physician assistants, foreign nationals
- Effective August 10, 2026

### Med Pro Program (new October 5, 2026)
- Separate program and lender: up to 100% financing, loan amounts up to $2,000,000, no monthly mortgage insurance
- 30-year fixed, or 5/6, 7/6, or 10/6 ARM
- Who: MD, DO (including ophthalmology and psychiatry), physician assistants (PA), DDS, DMD, PharmD, DVM or VMD, DPM, optometrists (OD), CRNA (DNAP or DNP), nurse practitioners, and residents, fellows, and interns with an eligible degree
- The only one of the three programs open to physician assistants and optometrists
- Credit score, debt ratio, occupancy, and student-loan rules are not published here. Call for a scenario check

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## 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://www.utahdownpaymentprograms.com

**Data Sources**:
- Utah Housing Corporation (utahhousingcorp.org)
- HUD.gov
- Individual city and county housing departments
- Direct verification with program administrators

**Last Updated**: July 2026

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*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.*