Salt Lake County Down Payment Assistance 2026
Salt Lake County down payment assistance for first time home buyers — SLC CDCU, city programs, FHLB HELP, and UHC statewide
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 CDCU DPA Loan
AvailableMurray City DPA
LimitedMidvale City DPA
LimitedWest Valley Chenoa Fund
AvailableWest Jordan DPA
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. Salt Lake City offers CDCU DPA up to 20% of purchase price (max $120K), plus Murray, Midvale, West Jordan, and South Jordan city programs, FHLB HELP, and UHC statewide programs.
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 in designated CRA areas statewide (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 CDCU DPA Loan
deferred loan2026-2027 CDCU Down Payment Assistance Loan for Salt Lake City municipal boundaries only. Silent second mortgage up to 20% of purchase price (max $120,000) for down payment and/or closing costs — award based on funds needed to close. 5% fixed interest accrues annually over 30 years with NO monthly payments; balance due at end of term, sale, refi, transfer, or if property ceases to be primary residence. NOT forgivable. 80% AMI income limit. First-time homebuyers only (HUD definition). FICO 640+ (lender requirement). Stacks behind 1st mortgage and Utah Housing 2nd — CDCU takes 3rd lien (cannot be lower than 3rd position). 2% origination fee may be financed.
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.
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).
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), CDCU DPA Loan in Salt Lake City (up to 20% of price, max $120,000), 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 CRA 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. Utah Housing Corporation (UHC) programs can combine with local city/county DPA when the local program agrees to third lien position (UHC 2nd, local DPA 3rd). Example: FHLB HELP ($20,000) + Murray City DPA ($30,000) + UHC DPA ($27,500) = $77,500 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: Salt Lake City CDCU DPA (up to $120,000 deferred loan), 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.