Funds AvailableStatewideDeferred Loan
UHC DPA Second Mortgage (Deferred)
Utah Housing Corporation
$27,500
Maximum Assistance
120%
AMI Income Limit
Program Summary
Borrow up to 3.5% of first mortgage loan (max $27,500) for down payment and closing costs. 30-year fixed at 3.5% deferred simple interest. NO MONTHLY PAYMENT required. Principal + deferred interest due on sale, refinance, or maturity. Must combine with UHC first mortgage.
Eligibility Requirements
Location
Available statewide in Utah
Buyer Type
Open to all buyers (first-time and repeat)
Income Limit
Household income must not exceed 120% AMI for Salt Lake County:
| Household | 120% AMI Limit |
|---|---|
| 1 person | $103,125 |
| 2 people | $117,825 |
| 3 people | $132,525 |
| 4 people | $147,225 |
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)
How to Apply
- 1Apply for a UHC first mortgage (FirstHome, FHA/VA, or HFA Advantage).
- 2Tell your lender you want the Deferred DPA Second Mortgage.
- 3Borrow up to 3.5% of your first mortgage amount (max $27,500).
- 4Both loans are applied for and processed together.
- 5NO MONTHLY PAYMENT required on this loan!
- 6Principal + 3.5% deferred interest due when you sell, refinance, or at loan maturity.
- 7Both loans serviced by UHC.
Required Documents
- Same documentation as UHC first mortgage
- UHC first mortgage application (required)