HomeChoice
Neighborhood Nonprofit Housing Corporation (NNHC)
Up to
$70,000
Assistance
Second Mortgage
Area
Statewide
Buyers
Repeat buyers welcome
Income
80% AMI limit
Funding renews
July 1
What This Program Offers
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.
Who Qualifies
Location
Buyer type
Primary residence
Your contribution
Income limits
Household income must not exceed 80% AMI for Salt Lake County
| Household | 80% AMI Limit |
|---|---|
| 1 person | $70,650 |
| 2 people | $80,750 |
| 3 people | $90,850 |
| 4 people | $100,900 |
Showing sizes 1-4. See all household sizes
Salt Lake County • FY 2025 HUD Income Limits
How to Apply
- 1
✅ Funding is available as of October 2026. Funds are limited, so contact Suzanne at NNHC early.
- 2
Confirm a borrower or household member meets the ADA / Fair Housing disability definition.
- 3
Verify household income meets current HUD income limits for your county.
- 4
Obtain pre-approval for a primary mortgage (FICO 640+, DTI ≤ 45%).
- 5
Contact Suzanne at NNHC: 435-799-8116 / sjacob@nnhc.org for the HomeChoice application.
- 6
Identify an existing single-family home in Utah; contribute at least $500 of your own funds.
- 7
Close primary mortgage with HomeChoice as a 2nd lien at closing.
Documents you'll need
- Proof of disability (borrower or household member)
- Household income verification (HUD limits)
- Primary mortgage pre-approval (FICO 640+, DTI ≤ 45%)
- Proof of $500 minimum borrower contribution
- Purchase contract for an existing Utah single-family home
Program Contact
Last verified: 2026-10-22
HomeChoice FAQ
Are there home buying programs for people with disabilities in Utah?
Yes. HomeChoice is a statewide Utah program for buyers who have a disability, or whose household includes someone with a disability. It provides a second mortgage of up to $70,000 at 1% fixed for 30 years, which lowers the monthly payment on the home. It is run by Neighborhood Nonprofit Housing Corporation (NNHC) and funded through the Olene Walker Housing Loan Fund.
Is HomeChoice a grant?
No. People often search for grants for disabled home buyers, but HomeChoice is a loan, not a grant. It is a second mortgage at a 1% fixed rate over 30 years with no prepayment penalty. Because the rate is so low, it cuts the overall payment compared with borrowing the full price on the first mortgage.
Who qualifies for the HomeChoice program?
A borrower or a household member must meet the disability definition in the Americans with Disabilities Act or the Fair Housing Amendments Act. Household income has to be within the HUD income limits for your county, at 80% of area median income. You also need a primary mortgage pre-approval with a credit score of 640 or higher and a debt-to-income ratio of 45% or less, and at least $500 of your own funds.
Can a parent of a child with a disability use HomeChoice?
The program covers households that include a person with a disability, not only borrowers who have one themselves. A parent buying a home for a household that includes a child with a qualifying disability can ask NNHC to review eligibility.
What kind of home can I buy with HomeChoice?
An existing single-family home anywhere in Utah that will be your primary residence. New construction, condos, and townhomes are not listed as eligible property types.
How do I apply for HomeChoice?
Get pre-approved for a primary mortgage, then contact Suzanne Jacob at NNHC at 435-799-8116 or sjacob@nnhc.org for the HomeChoice application. Funding opens and closes during the year, so check the status at the top of this page and ask NNHC to add you to the list if funds are paused.