Utah VA Loans with 100% Financing
A VA loan lets an eligible veteran, active-duty service member, or surviving spouse buy a primary home with no down payment in the usual case, and with no monthly mortgage insurance. It is a specialty first mortgage. It sits with doctor loans and USDA loans as 100% financing, separate from down-payment grants.
This is a specialty mortgage, not a down payment grant
City, county, and Utah Housing Corporation assistance on this site is mostly grants, forgivable loans, or second mortgages. A VA loan is the first mortgage itself. Utah Housing first mortgages — FirstHome and the FHA/VA mortgage — can be the VA path and can pair with a UHC DPA second. Those seconds stay labeled as second mortgages. They are not reclassified as 100% financing.
100% financing is typical
Eligible borrowers with enough entitlement can buy a primary home with no down payment. That is not automatic for every file.
No monthly mortgage insurance
VA uses a one-time funding fee instead of monthly PMI. Some disabled veterans have the fee waived.
A mortgage, not a grant
This is the first mortgage. The $2,500 UHC veteran grant, when funded, is a separate program.
Statewide, including Hill AFB
VA loans are not limited to Clearfield. The team’s office is near Hill Air Force Base, which is useful context for military moves.
Who can use a VA loan
The VA looks at service history. A lender still has to approve credit, income, and the property. There is no official VA credit-score cutoff, and this page does not quote an interest rate.
- Active-duty service members who meet the VA’s minimum service requirement (often 90 continuous days in many wartime periods)
- Veterans with an eligible character of discharge
- National Guard and Reserve members with enough active service, or six years in the Guard or Reserves in many cases
- Certain surviving spouses of veterans who died in service or from a service-connected disability
- A Certificate of Eligibility from the VA before the loan can close
How the 100% benefit works
With full entitlement, a VA loan can finance the full purchase price of an eligible primary home. You can use the benefit more than once. Selling and restoring entitlement is the usual path. Two VA loans at once are possible only in limited entitlement cases.
If the seller pays closing costs, some buyers bring little cash to the table. That depends on the contract. The funding fee can be added to the loan, so “no down payment” does not mean the fee disappears.
Funding fee, not monthly MI
For a first use with less than 5% down, the VA funding fee is typically 2.15%. A later use with no down payment is higher. Putting money down can lower the fee. Veterans receiving VA disability compensation may be exempt. Confirm the current percentage on your Certificate of Eligibility and loan estimate. This is not an interest rate.
Hill AFB and Clearfield
The Tim Hawkes Team works from Clearfield, a short drive from Hill Air Force Base, and regularly helps airmen, veterans, and families on PCS timelines. A VA loan is still a statewide benefit. Living in Clearfield, or working on base as a civilian, does not by itself create VA eligibility.
Where this site already documents VA plus assistance
A VA loan already covers the down payment in the typical case. Extra help is for closing costs or a small grant, and only when that program’s own rules allow a VA first mortgage.
UHC first mortgage, then a DPA second
FirstHome is an FHA or VA first mortgage for first-time buyers. The UHC FHA/VA mortgage is open to first-time and repeat buyers, with a 620 score minimum in current program data and a Certificate of Eligibility when the loan is VA. Either can be paired with a UHC DPA second mortgage (traditional or deferred, up to $27,500). The second stays a second mortgage.
Utah Housing Corporation guideUHC Utah Veteran Grant
Program data still lists a $2,500 true grant — no repayment — for veterans or active military who separated within the last five years and are first-time Utah homebuyers. It can combine with a UHC loan. Funds were limited (79 remaining as of January 2026). Confirm what is left before you count on it. This grant is not the VA loan.
Veteran grant detailsThe directory also lists VA as an allowed first mortgage on FHLB HELP, Salt Lake City CDCU, and Eagle Mountain MAP. Other programs may not accept VA. Check that program’s page instead of assuming every grant stacks.
Other 100% financing
VA, USDA, and professional loans are one group: specialty mortgages that can finance most or all of a primary home. They are not the DPA directory.
VA loan FAQ
Is a VA loan the same as a down payment grant?
No. A VA loan is a specialty first mortgage for eligible veterans, active-duty service members, and certain surviving spouses. Zero down payment is the typical benefit. It is not a grant, a forgivable second, or a Utah Housing Corporation DPA second mortgage.
Who can use a VA loan in Utah?
Eligibility comes from military service, not from living near a base. Active-duty members, veterans with an eligible discharge, National Guard and Reserve members who meet the service rules, and certain surviving spouses can qualify. You need a Certificate of Eligibility from the VA. Length of service and character of discharge decide the certificate.
Does a VA loan have mortgage insurance?
VA loans do not charge monthly private mortgage insurance. They charge a one-time VA funding fee instead. For a first use with no down payment, that fee is typically 2.15% of the loan amount and can be financed. The percentage is different on a later use and when you make a down payment. Veterans receiving VA disability compensation, and some surviving spouses, may have the fee waived.
Does every veteran get 100% financing?
100% financing is the usual VA benefit when you have enough entitlement for the price. It is not a promise for every buyer. Partial entitlement, a home the VA will not approve, or a price above what remaining entitlement supports can mean a down payment. Credit, income, and the property still have to qualify.
Can a VA loan be combined with Utah down payment assistance?
Only where a program already says so. Utah Housing Corporation first mortgages — FirstHome and the FHA/VA mortgage — can be VA loans and can pair with a UHC DPA second mortgage. Those seconds stay second mortgages. The UHC Utah Veteran Grant is a separate $2,500 grant for eligible first-time Utah buyers, and program data says it can combine with a UHC loan when funds remain. FHLB HELP, Salt Lake City CDCU, and Eagle Mountain MAP also list VA as an allowed first mortgage. A standard VA loan does not automatically stack with every city or county grant.
Is a VA loan only for homes near Hill Air Force Base?
No. A VA loan can be used on an eligible primary home anywhere in Utah. The Tim Hawkes Team is based in Clearfield, near Hill Air Force Base, and works with military families there. That location does not change the VA rules or limit the loan to Davis County.
See if your COE supports the price
The Tim Hawkes Team can pull a Certificate of Eligibility and tell you whether 100% financing fits this purchase. The DPA quiz screens grants and second mortgages, not VA entitlement.
VA loans are guaranteed by the U.S. Department of Veterans Affairs. Funding-fee percentages, entitlement, and property rules can change. This page does not quote an interest rate and is not a commitment to lend. Equal Housing Lender. Cornerstone Home Lending, a division of Cornerstone Capital Bank, SSB. NMLS #2258. Tim Hawkes NMLS #8785. Jake Peterson NMLS #1692825. Source: thetimhawkesteam.com/loans/va. Looking for a grant instead? Start with the Utah DPA program directory or the first-time buyer guide.