Funds AvailableStatewideSecond Mortgage
UHC DPA Second Mortgage (Traditional)
Utah Housing Corporation
$27,500
Maximum Assistance
120%
AMI Income Limit
Program Summary
Borrow up to 6% of first mortgage loan (max $27,500) for down payment and closing costs. 30-year fixed rate, 1% higher than first mortgage (max 8%). Monthly payment required. Must be combined with UHC first mortgage (FirstHome, FHA/VA, or HFA Advantage).
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 Traditional DPA Second Mortgage.
- 3Borrow up to 6% of your first mortgage amount (max $27,500).
- 4Both loans are applied for and processed together.
- 5Monthly payment required on this second mortgage.
- 6Interest rate is 1% higher than your first mortgage (max 8%).
- 7Both loans serviced by UHC.
Required Documents
- Same documentation as UHC first mortgage
- UHC first mortgage application (required)