About Provo
Provo is Utah County's largest city and home to Brigham Young University. With a young population, growing tech scene, and stunning mountain backdrop, Provo offers excellent value for first-time homebuyers seeking an active lifestyle.
Key Facts
- Provo Home Purchase Plus offers up to $60,000 forgivable
- Home to BYU and a growing tech hub
- Stunning views of the Wasatch Mountains
- 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.
Provo Down Payment Assistance FAQ
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 homebuyers purchasing within Provo city limits. The loan is forgiven over time if you maintain the home as your primary residence. Income limits apply based on household size.
What are Provo income limits for Home Purchase Plus?
Provo uses specific income limits based on household size: approximately $66,500 (1 person), $76,000 (2 people), $85,500 (3 people), $94,950 (4 people). Limits are updated annually. Take our quiz for exact current limits.
Do I have to be a first-time buyer for Provo DPA?
Yes, the Provo Home Purchase Plus program is specifically for first-time homebuyers who will occupy the home as their primary residence. UHC statewide programs may also be available for qualifying buyers.
Can I combine Provo DPA with other programs?
Provo's program can potentially be combined with UHC second mortgage assistance for even more help. With $60,000 from Provo plus up to $27,500 from UHC, qualifying buyers could access $87,500+ in total assistance.