Funds AvailableStatewideSecond Mortgage
UHC FirstHome Loan
Utah Housing Corporation
$772,400
Maximum Assistance
100%
AMI Income Limit
Program Summary
UHC's lowest interest rate first mortgage for first-time homebuyers. FHA or VA financing. Requires 660 minimum credit score. Can be combined with UHC DPA Second Mortgage. Income limits: $116,100-$142,400 (1-2 person) depending on county. Max purchase price varies by county ($544,200-$772,400).
Eligibility Requirements
Location
Available statewide in Utah
Buyer Type
First-time buyers only (no home ownership in past 3 years)
Income Limit
Household income must not exceed 100% AMI for Salt Lake County:
| Household | 100% AMI Limit |
|---|---|
| 1 person | $85,938 |
| 2 people | $98,188 |
| 3 people | $110,438 |
| 4 people | $122,688 |
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
- 1Find a UHC Participating Lender (list on utahhousingcorp.org).
- 2Verify you're a first-time homebuyer with income within limits.
- 3Check your credit score (minimum 660 required).
- 4Get pre-approved for FHA or VA financing.
- 5Find a home within purchase price limits for your county.
- 6Lender submits your application through UHC PowerLender system.
- 7Can combine with UHC DPA Second Mortgage for additional assistance.
Required Documents
- Income verification (per UHC county limits)
- Credit report showing 660+ score
- First-time homebuyer certification
- Purchase contract within county price limits