Salt Lake County Down Payment Assistance
Find first time home buyer programs in Salt Lake City, West Jordan, Murray, South Jordan, and throughout Salt Lake County
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Salt Lake County at a Glance
About Salt Lake County
Salt Lake County is Utah's most populous county, home to Salt Lake City and surrounding suburbs. With diverse neighborhoods from urban downtown to suburban communities, the county offers housing options for every budget and lifestyle.
Key Facts
- NeighborWorks Salt Lake offers up to $40,000 in forgivable loans
- Multiple city-specific programs available throughout the county
- Utah's largest job market with diverse employment options
- Easy access to ski resorts, hiking, and outdoor recreation
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.
NeighborWorks Murray DPA
forgivable loanUp to $85,000 as 0% interest, 5-year forgivable loan. The largest DPA in Utah!
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.
West Jordan DPA
forgivable loanUp to $7,500 covering half of down payment/closing costs. Forgiven after 5 years. Buyer must contribute $2,500 (seasoned, non-gift).
South Jordan DPA
forgivable loanUp to 7.5% of purchase price or $20,000 (whichever less). 0% interest, deferred. Forgiven after 10 years. Early sale penalty applies.
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).
Salt Lake County Down Payment Assistance FAQ
What down payment assistance is available in Salt Lake County?
Salt Lake County homebuyers can access multiple programs including NeighborWorks Salt Lake ($40,000 forgivable), NeighborWorks Murray ($85,000), West Valley Chenoa Fund ($30,000), West Jordan DPA ($20,000), South Jordan DPA ($20,000), plus statewide UHC programs with up to $27,500 in assistance.
What are the income limits for Salt Lake County DPA?
Income limits vary by program. Most use 80% Area Median Income (AMI) which is approximately $80,000 for a family of 4 in Salt Lake County. Some UHC programs allow up to 120% AMI. Take our quiz to see what you qualify for.
Can I combine multiple DPA programs in Salt Lake County?
Yes! Many programs can be stacked. For example, you could combine a city program like NeighborWorks with UHC second mortgage assistance. Some buyers access $50,000+ in combined assistance.
Are there first-time homebuyer programs in Salt Lake County?
Absolutely! Many programs specifically serve first-time buyers, including NeighborWorks programs, UHC FirstHome Loan, and most city programs. Some programs are also available to repeat buyers who meet income requirements.