UHC FHA/VA Mortgage
Utah Housing Corporation
Up to
$27,500
Assistance
Assistance
Area
Statewide
Buyers
First-time & repeat buyers
Income
120% AMI limit
Funding renews
Rolling
What This Program Offers
FHA or VA first mortgage for first-time OR repeat buyers.
- Interest rate slightly higher than FirstHome.
- Requires 620 minimum credit score.
- Allows 1-2 unit properties (can rent part of home).
- Income limit: $162,500 qualifying income.
- No purchase price limit.
- Can combine with UHC DPA.
Who Qualifies
Location
Buyer type
Primary residence
Income limits
Household income must not exceed 120% AMI for Salt Lake County
| Household | 120% AMI Limit |
|---|---|
| 1 person | $105,976 |
| 2 people | $121,126 |
| 3 people | $136,276 |
| 4 people | $151,350 |
Showing sizes 1-4. See all household sizes
Salt Lake County • FY 2025 HUD Income Limits
How to Apply
- 1
Find a UHC Participating Lender (list on utahhousingcorp.org).
- 2
Verify your qualifying income is within limits ($162,500 max).
- 3
Check your credit score (minimum 620 required for FHA/VA).
- 4
Get pre-approved for FHA or VA financing.
- 5
Find a home (no purchase price limit — can be 1-2 unit property).
- 6
Lender submits your application through UHC PowerLender system.
- 7
Open to first-time AND repeat buyers!
- 8
Can combine with UHC DPA Second Mortgage for additional assistance.
Documents you'll need
- Income verification (qualifying income ≤$162,500)
- Credit report showing 620+ score
- Purchase contract (no price limit)
- VA Certificate of Eligibility (if using VA loan)