Provo Utah Down Payment Assistance 2026
Home Purchase Plus offers $60,000 forgivable — combine with state programs for $100,000+ in first time buyer assistance
Free eligibility quiz • No SSN required • Results in 5 minutes
Provo at a Glance
Provo Down Payment Assistance Programs at a Glance
Provo Home Purchase Plus
AvailableUHC DPA Second Mortgage (Traditional)
AvailableUHC DPA Second Mortgage (Deferred)
AvailableUHC Utah Veteran Grant
LimitedUHC Law Enforcement / Correctional Officer Assistance
PausedUHC First-Time Homebuyer Assistance (New Construction)
AvailableAbout Provo Down Payment Assistance
Provo Utah down payment assistance programs offer some of the most generous first time buyer benefits in the state. The Provo Home Purchase Plus provides up to $60,000 forgivable, which can be combined with FHLB HELP ($20,000), Community Lending ($4,500), and UHC programs for $100,000+ in total assistance.
Provo DPA Program Highlights
- Provo Home Purchase Plus: Up to $60,000 forgivable (Utah's largest city DPA!)
- FHLB HELP Program: Additional $20,000 forgivable grant
- Community Lending: $4,500 incentive in designated areas (no income limits!)
- Named one of America's best places to live
Need Local Help?
Our team specializes in Utah County DPA programs. We're located in Clearfield and serve all of Provo.
DPA Programs Available in Provo
6+ down payment assistance programs serve Provo homebuyers
Provo Home Purchase Plus
deferred loanUp 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.
UHC DPA Second Mortgage (Traditional)
second mortgageBorrow 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).
UHC DPA Second Mortgage (Deferred)
deferred loanBorrow 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.
UHC Utah Veteran Grant
grantTRUE 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.
UHC Law Enforcement / Correctional Officer Assistance
grantSpecial 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.
UHC First-Time Homebuyer Assistance (New Construction)
deferred loanUp 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 for Provo Down Payment Assistance
Check Eligibility
Take our free 5-minute quiz to see which Utah County programs you qualify for.
Get Pre-Approved
Work with a participating lender to get pre-approved for a mortgage and DPA programs.
Find Your Home
Shop for a home in Provo within program purchase price limits.
Close & Move In
Complete the loan process and receive your down payment assistance at closing.
Provo Down Payment Assistance FAQ
What down payment assistance is available in Provo Utah in 2026?
Provo first time buyers can access: Provo Home Purchase Plus (up to $60,000 forgivable — Utah's largest city DPA!), FHLB HELP Program ($20,000 forgivable), Community Lending ($4,500 in designated Census tracts), and UHC programs ($27,500). Combined, Provo buyers can access $100,000+ in assistance.
What is the Provo Home Purchase Plus program?
Provo Home Purchase Plus provides up to $60,000 in down payment assistance as a forgivable loan for first time buyers purchasing within Provo city limits. The loan is forgiven over time (typically 5-10 years) while you maintain the home as your primary residence. Income limits apply.
What are Provo income limits for down payment assistance?
Provo Home Purchase Plus uses specific income limits: approximately $66,500 (1 person), $76,000 (2 people), $85,500 (3 people), $94,950 (4 people). FHLB HELP uses 80% AMI limits. Take our free quiz to see which programs you qualify for.
Can I combine Provo Home Purchase Plus with other programs?
Yes! Provo Home Purchase Plus ($60,000) can be combined with FHLB HELP ($20,000) and UHC programs ($27,500) for $100,000+ total. Plus, the Community Lending Program adds $4,500 in designated Provo areas with no income limits.
Why is Provo good for first time home buyers?
Provo offers Utah's most generous city DPA program ($60,000), lower median prices than Salt Lake ($475k vs $575k), a young vibrant community, excellent outdoor access, and a strong job market. With available programs, many first time buyers purchase with minimal out-of-pocket funds.