Deferred LoanBox Elder, Cache, RichFunds AvailableRenews July 1
BRAG First Time Home Buyer
Bear River Association of Governments
Up to
$3,000
Renews July 1 each year
Assistance
Deferred Loan
Area
Box Elder
Buyers
First-time buyers
Income
80% AMI limit
Funding renews
July 1
What This Program Offers
Up to $2,500 (or $3,000 with early workshop completion) as 0% deferred loan.
- Repaid on sale, refinance, rental, or title transfer.
- No monthly payments.
Who Qualifies
Location
Box Elder · Cache · Rich
Buyer type
First-time buyers only
Primary residence
Must be your primary home — not an investment property
Education course
HUD-approved homebuyer education required before closing
Income limits
Household income must not exceed 80% AMI for Box Elder County
| Household | 80% AMI Limit |
|---|---|
| 1 person | $59,550 |
| 2 people | $68,050 |
| 3 people | $76,550 |
| 4 people | $85,050 |
Showing sizes 1-4. See all household sizes
Box Elder County • FY 2025 HUD Income Limits
How to Apply
- 1
Complete USU homebuyer education workshop (call 435-797-7224 to register).
- 2
💡 Complete EARLY to qualify for $3,000 instead of $2,500!
- 3
Get pre-approved for your mortgage.
- 4
Download and complete the BRAG application.
- 5
Submit income documentation and BRAG application.
- 6
Find a home in Box Elder, Cache, or Rich County.
- 7
Get property under contract.
- 8
Funds provided at closing as 0% deferred loan.
Documents you'll need
- Federal tax return (current year)
- Income verification from mortgage application
- Signed BRAG application
- BRAG tracking form
- Mortgage application copy
- Earnest money agreement
- Photo of home
- Verification of home age