Utah Down Payment Assistance Programs 2026

Own in Ogden

Up to $20,000

Own in Ogden is Ogden City's down payment assistance program providing 0% interest, deferred-payment loans to help buyers purchase a home in Ogden. Loan amounts: $10,000 for general homebuyers, $15,000 for K-12 teachers/administrators in Ogden schools or Ogden City employees, $20,000 for sworn Ogden Police Officers & Firefighters. Not just for first-time buyers! Any home in Ogden is eligible, including new construction. Max price: $430K (existing) or $467K (new). Repaid only when you sell, refinance, or move out. Stacks with Utah Housing Corporation (UHC) programs — Ogden City takes third lien position (confirmed).

FHLB HELP Program

Up to $20,000

Homebuyer Equity Leverage Partnership (HELP) - $20,000 forgivable grant for Utah buyers. Available with Conventional, FHA, VA, or USDA loans. Fixed rate 15, 20, 25, or 30-year terms. Purchase or refinance. Owner-occupied 1-4 unit properties. First-time homebuyers only with household income ≤80% AMI. Minimum $500 borrower contribution required.

Davis County Homeownership Program

Up to $50,000

Up to $50,000 as a deferred loan with 1% interest compounded annually. NO MONTHLY PAYMENTS. Full amount + interest repaid when home is sold, refinanced, or ceases to be primary residence. Can be used for principal reduction, rate buydown (max $10K), down payment (50%), and/or closing costs. Stacks with UHC programs when Davis County agrees to third lien position (UHC 2nd, county DPA 3rd). Max purchase price $500K.

Salt Lake City CDCU DPA Loan

Up to $120,000

2026-2027 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.

Provo Home Purchase Plus

Up to $60,000

Up 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.

HomeChoice

Up to $70,000

Statewide 2nd mortgage for Utah buyers with disabilities (or whose household includes someone with a disability per ADA 1990 / Fair Housing Amendment Act 1988). Up to $70,000 at 1% fixed for 30 years, no prepayment penalty. Pairs with a primary mortgage to lower the overall monthly payment. Existing single-family homes only. Funded by the Olene Walker Housing Loan Fund through the State of Utah.

UHC Freddie Mac HFA Advantage

First mortgage

Conventional loan program with potentially lower monthly mortgage insurance than FHA. Requires 680 minimum credit score. May have slightly higher interest rate but lower MI = lower overall payment. Income limit: $162,500. Can combine with UHC DPA. Good for buyers with strong credit.