Funds AvailableBox Elder, Cache, RichDeferred Loan
BRAG First Time Home Buyer
Bear River Association of Governments
$3,000
Maximum Assistance
80%
AMI Income Limit
Program Summary
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.
Eligibility Requirements
Location
Property must be in Box Elder or Cache or Rich
Buyer Type
First-time buyers only (no home ownership in past 3 years)
Income Limit
Household income must not exceed 80% AMI for Box Elder County:
| Household | 80% AMI Limit |
|---|---|
| 1 person | $56,100 |
| 2 people | $64,100 |
| 3 people | $72,100 |
| 4 people | $80,100 |
Showing sizes 1-4. See all household sizes
Box Elder County • FY 2025 HUD Income Limits
Primary Residence
Must be your primary residence (not investment property)
Homebuyer Education
Completion of a HUD-approved homebuyer education course is required
How to Apply
- 1Complete USU homebuyer education workshop (call 435-797-7224 to register).
- 2💡 Complete EARLY to qualify for $3,000 instead of $2,500!
- 3Get pre-approved for your mortgage.
- 4Download and complete the BRAG application.
- 5Submit income documentation and BRAG application.
- 6Find a home in Box Elder, Cache, or Rich County.
- 7Get property under contract.
- 8Funds provided at closing as 0% deferred loan.
Required Documents
- 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