About Utah County
Utah County is one of the fastest-growing counties in the nation, home to Provo, Orem, and numerous growing cities. With Utah Valley University and BYU, a strong tech sector, and stunning mountain views, it's increasingly popular with young families and professionals.
Key Facts
- Provo Home Purchase Plus offers up to $60,000 in assistance
- Utah County Loan to Own provides up to $30,000
- Eagle Mountain MAP offers $25,000 for qualifying buyers
- One of America's fastest-growing counties
Need Local Help?
Our team specializes in Utah County DPA programs. We're located in Clearfield and serve all of Utah County.
DPA Programs Available in Utah County
6+ down payment assistance programs serve Utah County homebuyers
Eagle Mountain MAP
forgivable loanUp to $25,000 as 0% interest forgivable loan over 15 years. Priority for public employees (teachers, first responders).
Provo Home Purchase Plus
deferred loanUp to $60,000 as 0% interest deferred loan for Provo City homes. 50% forgiven after period of affordability: $15k-$25k = 5 years, $25k-$50k = 10 years, $50k+ = 15 years. Minimum 650 credit score required. Must contribute $1,000 own funds.
Utah County Loan to Own
deferred loanUp to $40,000 as 0% interest deferred loan for Utah County homes (EXCLUDES Eagle Mountain, Fairfield, Highland, and Woodland Hills). 50% forgiven after period of affordability: $15k-$25k = 5 years, $25k-$40k = 10 years. Minimum 650 credit score required. Must contribute $1,000 own funds.
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.
Utah County Down Payment Assistance FAQ
What down payment assistance is available in Utah County?
Utah County homebuyers can access several programs: Provo Home Purchase Plus (up to $60,000 for Provo purchases), Utah County Loan to Own (up to $30,000 county-wide), Eagle Mountain MAP ($25,000), plus statewide UHC programs offering up to $27,500.
What is the Utah County Loan to Own program?
Loan to Own provides up to $30,000 as a deferred loan for purchases throughout Utah County (excluding some cities like Eagle Mountain, Fairfield, Highland, and Woodland Hills). The loan has 0% interest and is repaid when you sell, refinance, or pay off the mortgage.
What are Utah County income limits for DPA?
Most programs use 80% AMI limits. For Utah County in 2025, this is approximately $94,950 for a family of 4. The Provo program uses specific limits that may differ. Take our quiz for exact eligibility.
Are there programs for first-time buyers in Utah County?
Yes! All Utah County programs serve first-time buyers. The Provo Home Purchase Plus is exclusively for first-time buyers who will be owner-occupants. UHC programs are also available throughout the county.