Utah Housing Corporation Down Payment Assistance
Utah Housing Corporation (UHC) is the statewide pathway for many Utah first-time and repeat buyers: competitive first mortgages plus down payment assistance up to $27,500, special grants, and the ability to stack with local city and county programs.
Up to $27,500 DPA
Traditional or deferred second mortgage paired with a UHC first loan.
All 29 counties
Statewide products — then stack city/county DPA where available.
Stacks with local DPA
UHC 2nd + local 3rd when the local program allows (e.g. Ogden, Davis).
Multiple loan paths
FirstHome, FHA/VA, or HFA Advantage conventional — pick what fits credit and goals.
Utah Housing Corporation programs in July 2026
These are the UHC products we track on this site. Amounts and funding status change — verify with a participating lender before you write an offer.
UHC FirstHome Loan
OpenUHC'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).
Program detailsUHC FHA/VA Mortgage
OpenFHA 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.
Program detailsUHC Freddie Mac HFA Advantage
OpenConventional loan program with potentially lower monthly mortgage insurance than FHA. Requires 680 minimum credit score. May have slightly higher interest rate but lower MI = lower overall payment. Income limit: $162,500. Can combine with UHC DPA. Good for buyers with strong credit.
Program detailsUHC DPA Second Mortgage (Traditional)
OpenBorrow 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). Can stack with local city/county DPA when the local program agrees to third lien position (UHC 2nd, local DPA 3rd).
Program detailsUHC DPA Second Mortgage (Deferred)
OpenBorrow 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. Can stack with local city/county DPA when the local program agrees to third lien position (UHC 2nd, local DPA 3rd).
Program detailsUHC Utah Veteran Grant
LimitedTRUE GRANT - $2,500 cash at closing, NO REPAYMENT REQUIRED. For veterans or active military who separated within last 5 years AND are first-time Utah homebuyers. Limited funds available (79 remaining as of Jan 2026). Can combine with any UHC loan program.
Program detailsUHC Law Enforcement / Correctional Officer Assistance
WaitlistSpecial assistance for Utah Law Enforcement Officers and Correctional Officers who are first-time homebuyers. FUNDS CURRENTLY DEPLETED - Waiting list implemented. See UHC website for waiting list instructions.
Program detailsUHC First-Time Homebuyer Assistance (New Construction)
OpenUp to $20,000 for NEW CONSTRUCTION homes only. Funds for down payment, closing costs, and/or permanent rate buydown. Utah Legislature funded $50M to help ~2,500 first-time buyers. 558 remaining as of Jan 2026. Deferred loan, repaid on sale/refi/rental.
Program detailsHow Utah Housing Corporation DPA works
- Choose a UHC first mortgage (FirstHome, FHA/VA, or HFA Advantage) through a participating lender.
- Add Traditional DPA (monthly payment) or Deferred DPA (no monthly payment) up to $27,500 when eligible.
- Ask about Veteran Grant, new-construction assistance, or law-enforcement options if they apply to you.
- Confirm whether a local city/county DPA can sit in third position behind UHC.
- Close with funds applied to down payment and/or closing costs.
First-time buyers: start here
Looking for the broader first-time home buyer Utah guide (grants, local programs, and UHC together)? Use our dedicated hub, then come back here for UHC product detail.
Official site: utahhousingcorp.org
Utah Housing Corporation FAQ
Common questions about UHC down payment assistance
What is Utah Housing Corporation down payment assistance?
Utah Housing Corporation (UHC) offers statewide first mortgages and down payment assistance for Utah homebuyers. The most common DPA is a second mortgage up to $27,500 (traditional with monthly payments, or deferred with no monthly payment) that must pair with a UHC first mortgage such as FirstHome, FHA/VA, or HFA Advantage.
How much can I get from Utah Housing Corporation in 2026?
UHC DPA second mortgages go up to $27,500. Special options include the Utah Veteran Grant ($2,500 true grant), First-Time Homebuyer Assistance for new construction (up to $20,000), and Law Enforcement assistance when funding is available. Many buyers also stack local city/county DPA on top of UHC.
Do I have to be a first-time home buyer for UHC programs?
Not always. FirstHome is for first-time buyers. UHC FHA/VA Mortgage and Freddie Mac HFA Advantage are open to first-time and repeat buyers who meet income and credit requirements. DPA second mortgages can pair with those first mortgages when you qualify.
Can I stack Utah Housing Corporation DPA with local programs?
Yes, when the local program agrees to third lien position (1st mortgage, UHC 2nd, local DPA 3rd). Own in Ogden and Davis County Homeownership have confirmed this works. Always verify stacking with your participating lender and the local program before closing.
What are Utah Housing Corporation income limits?
Limits vary by product. FirstHome uses county income and purchase-price limits. Many UHC first mortgages and DPA options allow qualifying income up to about $162,500. Check our income limits page and take the free quiz for county-specific guidance.
How do I apply for Utah Housing Corporation programs?
You apply through a UHC participating lender (not directly to UHC for most products). Get pre-approved, choose a UHC first mortgage, add DPA or grants if eligible, and your lender submits through UHC systems. Start with our free eligibility quiz to see which UHC options fit.