Utah Homebuyer Assistance

One of the most widely used programs in Utah.

Programs include:

• FirstHome Program
• HomeAgain Program
• Score Loan Program
• Down Payment Assistance (up to ~6%)

These programs can help cover down payment and closing costs, often structured as a second loan. 

This is for a purchase of a new construction home. 

• Up to $20,000 in assistance
• Can be used for:

• Down payment 
• Closing costs 
• Interest rate buydown 

Often structured as a 0% loan with no payments until sale/refinance

• Down payment assistance paired with FHA loans
• Options include:

• Forgivable assistance 
• Repayable second mortgage 

Allows buyers to purchase with little or no money out of pocket 

• Assistance for low-to-moderate income buyers
• Helps with:

• Down payment 
• Closing costs 

Programs vary based on eligibility and funding availability 

• No down payment requirement
• Competitive interest rates
• Flexible credit guidelines
• Reduced monthly costs compared to other loan types

• No down payment requirement
• Competitive interest rates
• Flexible credit guidelines
• Reduced monthly costs compared to other loan types

• Up to ~$20,000 assistance
• Often structured as deferred loans or grants

• Home Purchase Plus → up to $60,000
• Loan to Own → up to $40,000

Some programs are 0% interest with no payments until sale/refinance 

• ~$5,000 assistance
• Can be used for down payment or closing costs

• Own in Ogden Program
• ~$10,000+ grants available

• Up to ~$10,000 assistance
• First-time buyer focused

• Up to ~$3,000 assistance
Box Elder, Rich, and Cache Counties

• Up to ~$30,000 assistance
• Designed for first-time buyers

Funds can be limited to availability 

• Up to ~$30,000 assistance
• Designed for first-time buyers

Funds can be limited to availability 

• Up to ~$30,000 assistance
• Designed for first-time buyers

Funds can be limited to availability 

• Up to ~$25,000 assistance (forgivable loan)
• Designed for first-time buyers

This can be used in conjunction with Utah Housing 

• Up to ~$15,000 - $60,000
• Income-based eligibility

• Grants up to ~$10,000–$15,000
• Income-based eligibility

• Grants up to ~$10,000–$20,000
• Income-based eligibility

• Grants up to 7.5% of the purchase price or $20,000 witch ever is less
• Income-based eligibility

• Grants up to ~$10,000
• Income-based eligibility

Yes. Utah offers multiple programs through Utah Housing Corporation and local cities/counties that help with down payments and closing costs.

It depends on the program. Some are grants, while others are deferred loans or second mortgages.

In some cases, yes. Certain programs can be layered together depending on eligibility.