Salt Lake City Down Payment Assistance 2026
First time home buyer programs including FHLB HELP grant, CDCU Own In/Plus DPA, Community Lending, and statewide UHC assistance
Free eligibility quiz • No SSN required • Results in 5 minutes
Salt Lake City at a Glance
Salt Lake City Down Payment Assistance Programs at a Glance
NeighborWorks Salt Lake City DPA
PausedSalt Lake City 'Own In' DPA
PausedSalt Lake City 'Plus' DPA
PausedUHC DPA Second Mortgage (Traditional)
AvailableUHC DPA Second Mortgage (Deferred)
AvailableUHC Utah Veteran Grant
LimitedAbout Salt Lake City Down Payment Assistance
Salt Lake City down payment assistance programs help first time home buyers in Utah's capital and largest city. Multiple programs available: FHLB HELP grant ($20,000), Community Lending incentive ($4,500), CDCU 'Own In' DPA (up to $20,000), CDCU 'Plus' DPA (up to $30,000), and UHC programs — helping offset Salt Lake City's higher home prices.
Salt Lake City DPA Program Highlights
- FHLB HELP Program: $20,000 forgivable grant for first time buyers
- CDCU 'Own In' DPA: Up to $20,000 forgivable (funds expected late Jan 2026)
- CDCU 'Plus' DPA: Up to $30,000 forgivable (funds expected late Jan 2026)
- Community Lending: $4,500 incentive in designated areas (no income limits!)
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.
Salt Lake City 'Own In' DPA
forgivable loanUp to $20,000 deferred loan with 0% interest, forgivable after 5 years of owner-occupancy. Funds for down payment and/or closing costs. Cannot exceed funds needed to close. Property must be within Salt Lake City municipal boundaries. DTI limits: 35-40% front-end, 45-50% back-end. Requires $1,000 minimum buyer contribution plus 1 month cash reserve.
Salt Lake City 'Plus' DPA
forgivable loanUp to $30,000 deferred loan with 0% interest, forgivable after 5 years of owner-occupancy. Enhanced assistance for eligible Salt Lake City homebuyers. Funds for down payment and/or closing costs. Property must be within Salt Lake City municipal boundaries. DTI limits: 35-40% front-end, 45-50% back-end. Requires $1,000 minimum buyer contribution plus 1 month cash reserve.
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.
How to Apply for Salt Lake City Down Payment Assistance
Check Eligibility
Take our free 5-minute quiz to see which Salt Lake 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 Salt Lake City within program purchase price limits.
Close & Move In
Complete the loan process and receive your down payment assistance at closing.
Salt Lake City Down Payment Assistance FAQ
What down payment assistance is available in Salt Lake City in 2026?
Salt Lake City first time buyers can access multiple programs: FHLB HELP Program ($20,000 forgivable grant), CDCU 'Own In' DPA (up to $20,000 forgivable), CDCU 'Plus' DPA (up to $30,000 forgivable), Community Lending ($4,500 in designated areas), and UHC programs ($27,500). CDCU programs are expecting new funding by late January 2026.
What first time buyer programs are available in Salt Lake City?
Salt Lake City first time buyers qualify for: FHLB HELP ($20,000 forgivable after 5 years), Community Lending ($4,500 in designated Census tracts), and UHC FirstHome Loan with up to $27,500 DPA. Combined assistance can reach $50,000+.
What is the NeighborWorks Salt Lake City program?
NeighborWorks Salt Lake provided up to $40,000 in forgivable down payment assistance. CURRENTLY OUT OF FUNDS - check the NeighborWorks website for updates. In the meantime, FHLB HELP ($20,000) and UHC programs remain available.
What are Salt Lake City income limits for down payment assistance?
Most programs use 80% AMI limits (approximately $80,000 for a family of 4 in Salt Lake County). UHC programs have limits up to $162,500. Community Lending has NO income limits in designated areas. Take our quiz to see which programs you qualify for.
Are Salt Lake City home prices too high for first time buyers?
Salt Lake City has higher median prices ($575,000) than surrounding suburbs, but down payment assistance helps offset this. With FHLB HELP ($20,000) + UHC programs ($27,500), first time buyers can access $47,500+ in assistance toward Salt Lake City purchases.