Utah County Down Payment Assistance 2026
First time home buyer programs in Provo, Orem, Lehi — up to $100,000+ in combined assistance
Free eligibility quiz • No SSN required • Results in 5 minutes
Utah County at a Glance
Utah County Down Payment Assistance Programs at a Glance
Eagle Mountain MAP
AvailableProvo Home Purchase Plus
AvailableUtah County Loan to Own
AvailableUHC DPA Second Mortgage (Traditional)
AvailableUHC DPA Second Mortgage (Deferred)
AvailableUHC Utah Veteran Grant
LimitedAbout Utah County Down Payment Assistance
Utah County down payment assistance programs help first time home buyers in one of America's fastest-growing counties. Provo's Home Purchase Plus ($60,000), Utah County Loan to Own ($30,000), FHLB HELP grant ($20,000), and UHC programs offer substantial combined assistance for Provo, Orem, Lehi, and other Utah County cities.
Utah County DPA Program Highlights
- Provo Home Purchase Plus: Up to $60,000 forgivable (Provo purchases only)
- Utah County Loan to Own: Up to $30,000 deferred loan (most Utah County cities)
- FHLB HELP Program: $20,000 forgivable grant (all Utah County)
- One of America's fastest-growing counties with strong tech sector
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.
How to Apply for Utah County Down Payment Assistance
Check Eligibility
Take our free 5-minute quiz to see which Utah 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 Utah County within program purchase price limits.
Close & Move In
Complete the loan process and receive your down payment assistance at closing.
Utah County Down Payment Assistance FAQ
What down payment assistance is available in Utah County in 2026?
Utah County first time buyers can access: Provo Home Purchase Plus (up to $60,000 for Provo), Utah County Loan to Own ($30,000 county-wide), FHLB HELP Program ($20,000 forgivable), Eagle Mountain MAP ($25,000), Community Lending ($4,500 in designated Provo areas), and UHC programs ($27,500). Provo buyers can potentially stack for $100,000+ in assistance.
What is the Utah County Loan to Own program?
Loan to Own provides up to $30,000 as a 0% interest deferred loan for purchases throughout Utah County (excluding Eagle Mountain, Fairfield, Highland, and Woodland Hills). Repaid when you sell, refinance, or pay off mortgage. Can be combined with FHLB HELP and UHC programs.
What first time buyer programs are available in Utah County?
Utah County first time buyers qualify for: FHLB HELP ($20,000 forgivable, countywide), Utah County Loan to Own ($30,000 in most cities), UHC FirstHome Loan ($27,500 DPA), plus Provo Home Purchase Plus ($60,000) for Provo purchases. Take our quiz to see your options.
What are Utah County income limits for down payment assistance?
Most programs use 80% AMI limits (approximately $94,950 for a family of 4 in Utah County). Provo Home Purchase Plus has specific limits by household size. UHC programs go up to $162,500. Take our free quiz to see which programs you qualify for.
Which Utah County cities have down payment assistance?
All Utah County cities qualify for FHLB HELP and UHC statewide programs. Most cities (except Eagle Mountain, Fairfield, Highland, Woodland Hills) qualify for Utah County Loan to Own. Provo has its own $60,000 program. Eagle Mountain has the MAP program ($25,000).