UHC FirstHome Loan
Utah Housing Corporation
Up to
$772,400
Assistance
Assistance
Area
Statewide
Buyers
First-time buyers
Income
100% AMI limit
Funding renews
Rolling
What This Program Offers
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).
Who Qualifies
Location
Buyer type
Primary residence
Income limits
Household income must not exceed 100% AMI for Salt Lake County
| Household | 100% AMI Limit |
|---|---|
| 1 person | $88,313 |
| 2 people | $100,938 |
| 3 people | $113,563 |
| 4 people | $126,125 |
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 you're a first-time homebuyer with income within limits.
- 3
Check your credit score (minimum 660 required).
- 4
Get pre-approved for FHA or VA financing.
- 5
Find a home within purchase price limits for your county.
- 6
Lender submits your application through UHC PowerLender system.
- 7
Can combine with UHC DPA Second Mortgage for additional assistance.
Documents you'll need
- Income verification (per UHC county limits)
- Credit report showing 660+ score
- First-time homebuyer certification
- Purchase contract within county price limits