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. Currently out of funds — NNHC approved for additional funding; expected August–September 2026.

UHC Freddie Mac HFA Advantage

Up to $27,500

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.