Salt Lake County Down Payment Assistance 2026
First time home buyer programs in Salt Lake City, West Jordan, Murray, South Jordan — up to $50,000+ in combined assistance
Free eligibility quiz • No SSN required • Results in 5 minutes
Salt Lake County at a Glance
Salt Lake County Down Payment Assistance Programs at a Glance
NeighborWorks Salt Lake City DPA
PausedSalt Lake City 'Own In' DPA
PausedSalt Lake City 'Plus' DPA
PausedMurray City DPA
LimitedMidvale City DPA
LimitedWest Valley Chenoa Fund
AvailableAbout Salt Lake County Down Payment Assistance
Salt Lake County down payment assistance programs help first time home buyers throughout Utah's most populous county. Multiple city programs (Salt Lake City CDCU, Murray, Midvale, West Jordan, South Jordan) plus the FHLB HELP grant and UHC statewide programs offer combined assistance of $50,000+.
Salt Lake County DPA Program Highlights
- FHLB HELP Program: $20,000 forgivable grant for first time buyers (countywide)
- Murray City DPA: Up to $30,000 forgivable after 5 years
- Midvale City DPA: Up to $30,000 for local residents/employees
- Community Lending: $4,500 incentive in designated Salt Lake 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 County.
DPA Programs Available in Salt Lake County
6+ down payment assistance programs serve Salt Lake County 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.
Murray City DPA
forgivable loanUp to $30,000 as 0% interest, 5-year forgivable loan/grant. No repayment required if you remain in the home for 5 years. Income restrictions apply.
Midvale City DPA
forgivable loanUp to $25,000 as 0% interest, 5-year forgivable loan/grant (up to $30,000 for current Midvale residents or employees of a public entity operating within Midvale). No repayment if you stay 5 years.
West Valley Chenoa Fund
second mortgage3.5% of purchase price for FHA down payment. Options: 10-year repayable or 30-year 0% loan forgiven after 36 on-time payments.
How to Apply for Salt Lake County 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 County within program purchase price limits.
Close & Move In
Complete the loan process and receive your down payment assistance at closing.
Salt Lake County Down Payment Assistance FAQ
What down payment assistance is available in Salt Lake County in 2026?
Salt Lake County first time buyers can access: FHLB HELP Program ($20,000 forgivable, countywide), Murray City DPA ($30,000 forgivable), Midvale City DPA ($30,000), West Jordan DPA ($20,000), South Jordan DPA ($20,000), Community Lending ($4,500 in designated areas), and UHC programs ($27,500). Note: Salt Lake City NeighborWorks is currently out of funds.
What first time home buyer programs are available in Salt Lake County?
Salt Lake County first time buyers qualify for the FHLB HELP Program ($20,000 forgivable after 5 years), UHC FirstHome Loan with up to $27,500 DPA, and various city programs depending on location. Combined assistance can exceed $50,000.
What are the income limits for Salt Lake County 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.
Can I combine multiple DPA programs in Salt Lake County?
Yes! Many programs can be stacked. For example: FHLB HELP ($20,000) + Murray City DPA ($30,000) + UHC DPA ($15,000) = $65,000 in combined assistance for a Murray purchase. Take our quiz to see your specific combinations.
Which Salt Lake County cities have their own DPA programs?
Several Salt Lake County cities offer their own programs: Murray ($30,000 forgivable), Midvale ($30,000), West Jordan ($20,000), South Jordan ($20,000), and West Valley (Chenoa Fund $30,000). All Salt Lake County cities also qualify for FHLB HELP and UHC statewide programs.