Salt Lake City Down Payment Assistance
First time home buyer programs with up to $40,000 in forgivable loans for Salt Lake City
Free eligibility quiz • No SSN required • Results in 5 minutes
Salt Lake City at a Glance
About Salt Lake City
Salt Lake City is Utah's capital and largest city, offering diverse neighborhoods from historic Avenues to trendy Sugar House. With a booming job market, world-class skiing, and vibrant culture, SLC attracts first-time buyers looking for urban amenities.
Key Facts
- NeighborWorks Salt Lake offers up to $40,000 forgivable after 5 years
- Diverse neighborhoods from Sugar House to The Avenues
- Utah's largest job market and tech hub
- 30-45 minutes to 7 world-class ski resorts
Need Local Help?
Our team specializes in Salt Lake County DPA programs. We're located in Clearfield and serve all of Salt Lake City.
DPA Programs Available in Salt Lake City
6+ down payment assistance programs serve Salt Lake City homebuyers
NeighborWorks Salt Lake City DPA
forgivable loanUp to $40,000 as 0% interest, 5-year forgivable loan. No repayment if you stay 5 years.
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.
Salt Lake City Down Payment Assistance FAQ
What down payment assistance is available in Salt Lake City?
Salt Lake City homebuyers can access NeighborWorks Salt Lake DPA offering up to $40,000 as a forgivable loan (forgiven after 5 years of residency). Additionally, statewide UHC programs offer grants up to $2,500 and second mortgages up to $27,500.
What is the NeighborWorks Salt Lake program?
NeighborWorks Salt Lake provides up to $40,000 in down payment assistance as a forgivable loan. If you stay in the home as your primary residence for 5 years, the loan is completely forgiven. Income limits apply (typically 80% AMI).
What are Salt Lake City income limits for DPA?
NeighborWorks uses 80% AMI limits, approximately $80,000 for a family of 4 in Salt Lake County. UHC programs may have higher limits up to $162,500. Take our quiz to see exactly what you qualify for.
Are there first-time homebuyer programs in Salt Lake City?
Yes! NeighborWorks serves first-time buyers, and UHC FirstHome Loan specifically targets first-time buyers with competitive rates. Some programs also serve repeat buyers who meet income requirements.