# Utah Down Payment Assistance Programs

> Utah's most comprehensive resource for down payment assistance programs. Updated January 2026.

This site helps Utah homebuyers find and understand down payment assistance (DPA) programs they may qualify for.

## Site Purpose

Utah Down Payment Programs is a free educational resource that tracks all available down payment assistance programs in Utah. We provide:

- Complete program directory with eligibility requirements
- Free eligibility quiz (no SSN required)
- Income limits and application steps for each program
- City and county-specific program guides

## Key Facts

- 20+ active DPA programs tracked
- Up to $85,000 in combined assistance available
- Programs include grants, forgivable loans, deferred loans, and second mortgages
- Covers all 29 Utah counties
- Updated monthly with latest funding status

## Content Structure

- /guide - Complete 2026 Utah DPA Guide (pillar page)
- /programs - Directory of all programs with filters
- /programs/[slug] - Individual program details
- /locations - Programs by city and county
- /locations/[slug] - City/county specific guides
- /first-time-home-buyer - First-time buyer guide
- /quiz - Free eligibility quiz

## Top Programs (2026)

1. Provo Home Purchase Plus - $60,000 deferred loan
2. Ogden City Homes - $50,000 carry-back mortgage
3. Davis County Homebuyer Assistance - $50,000 deferred loan
4. Utah County Loan to Own - $40,000 deferred loan
5. Murray City DPA - $30,000 forgivable loan (5 years)
6. Midvale City DPA - $30,000 forgivable loan (5 years)
7. UHC Second Mortgage - Up to $27,500 statewide

## Program Types Explained

- **Grants**: Free money, no repayment required
- **Forgivable Loans**: Forgiven after 5 years of occupancy
- **Deferred Loans**: Repaid when you sell, refinance, or pay off mortgage
- **Second Mortgages**: Monthly payments at below-market rates

## Typical Eligibility Requirements

- Income limits: 80-120% Area Median Income (AMI)
- Credit score: 620-680 minimum
- Primary residence requirement
- Homebuyer education course (most programs)
- First-time buyer status (some programs)

## For More Information

- Full markdown content: /llms-full.txt
- Sitemap: /sitemap.xml
- Contact: jake@thetimhawkesteam.com

## Maintained By

Licensed Utah mortgage professionals Tim Hawkes and Jake Peterson (The Tim Hawkes Team | Cornerstone Home Lending). This is an educational resource, not a lead generation site.

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Last updated: January 2026
Website: https://utahdownpaymentprograms.com