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Temporarily PausedStatewideSecond Mortgage

HomeChoice

Neighborhood Nonprofit Housing Corporation (NNHC)

$70,000
Maximum Assistance
80%
AMI Income Limit

Program Summary

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 — new funding expected July 1, 2026.

Eligibility Requirements

Location
Available statewide in Utah
Buyer Type
Repeat buyers welcome
Income Limit
Household income must not exceed 80% AMI for Salt Lake County:
Household80% 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

Primary Residence
Must be your primary residence (not investment property)
Buyer Contribution
You must contribute at least $500 of your own funds

How to Apply

  1. 1Confirm a borrower or household member meets the ADA / Fair Housing disability definition.
  2. 2Verify household income meets current HUD income limits for your county.
  3. 3Obtain pre-approval for a primary mortgage (FICO 640+, DTI ≤ 45%).
  4. 4Contact Suzanne at NNHC: 435-799-8116 / sjacob@nnhc.org for the HomeChoice application.
  5. 5Identify an existing single-family home in Utah; contribute at least $500 of your own funds.
  6. 6Close primary mortgage with HomeChoice as a 2nd lien at closing.

Required Documents

  • 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

Contact Information

Suzanne Jacob | 435-799-8116 | sjacob@nnhc.org
Official Website

Last verified: 2026-04-23

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