Updated 1/26/2026

These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders, fill out this form here and I will connect you with one.

I've included all of the links and contact info needed to do this on your own, the form is meant to make it easier.

Connect with a DPA team

How Down Payment Assistance Works

I need to give a quick overview of how down payment assistance works. After that, the programs are listed.

With down payment assistance, you'll run into two different types:

  • A grant

  • A loan

A Grant

If we meet the qualifications up front, then it's money that does not need to be repaid.

A Loan

If the down payment assistance comes in the form of a loan, then pay attention to the three different types:

  • Repayable

  • Deferred

  • Forgivable

Repayable is just as most imagine. It charges interest over a certain amount of time, with monthly payments until it's paid off.

Deferred loans usually don't require a monthly payment, and typically don't charge interest. It's due in full when you refinance, sell the home, or when it ceases to be your primary residence.

Forgivable loans will disappear if you meet the criteria, which usually comes down to keeping the home as your primary residence for a specific amount of time.

Okay with that, here are the programs!

Utah 

Utah Housing Corporation (UHC) Down Payment Assistance

  • Assistance: Provides a second mortgage of up to 6% of the purchase price (or a capped amount depending on the loan type) for down payment and closing costs.

  • Terms:
    • Standard DPA: 30-year loan with a fixed interest rate (usually 1% higher than the first mortgage). Monthly payments are required.

    • Deferred DPA (New): A 3.5% assistance option that is 0% interest and deferred (no monthly payments) for eligible borrowers.

  • Eligibility: First-time and repeat buyers using a UHC first mortgage. Minimum credit score typically 620.

  • More Information: UHC Down Payment Assistance

First-Time Homebuyer Assistance Program

  • Assistance: Provides up to $20,000 for down payment, closing costs, or buying down the interest rate.

  • Terms: 0% interest deferred loan. No monthly payments are required. Repayment is deferred until you sell or refinance. (Note: This is strictly for New Construction homes only).

  • Eligibility: First-time homebuyers purchasing a newly constructed home priced at or below $450,000.

  • More Information: https://utahhousingcorp.org/homebuyer/sb240/

HomeChoice Program

  • Assistance: Provides up to $70,000 per household to help Utah residents with disabilities or those with a family member with a disability.

  • Terms: Financed as a second mortgage with a 1% interest rate over a 30-year term.

  • Eligibility: Must meet HUD income guidelines and ADA/Fair Housing Act disability definitions; FICO score of 640 or higher required.

  • More Information: Contact Neighborhood Nonprofit Housing Corporation

  • https://nnhc.org/buy-a-home/

West Valley City Down Payment Assistance Program

  • Assistance: Provides up to $7,500 in down payment assistance.

  • Terms: Forgivable after five years.

  • Eligibility: Homebuyers purchasing in West Valley City; income limits based on HUD guidelines.

  • More Information: West Valley City Housing Assistance

West Jordan Down Payment Assistance

Provo Loan to Own and Home Purchase Plus Program

  • Loan to Own: Up to $40,000 in assistance.

  • Home Purchase Plus: Up to $60,000 (for lower-income households).

  • Loan to Own: 50% is forgiven if you remain in the home for the full 10-year term.

  • Home Purchase Plus: 50% is forgiven if you remain for the full 15-year term.

  • Eligibility: First-time homebuyers purchasing in Provo. Income and purchase price limits apply ($495,000 max price).

  • More Information: Provo Housing Authority

Ogden Own in Ogden Program

  • Standard: Up to $10,000.

  • Sworn Public Safety Officers: Up to $20,000 (Police/Fire).

  • Teachers/City Employees: Up to $15,000.

  • Terms: 0% interest deferred loan. Repayment is due in full when the home is sold or transferred. (It is generally not forgivable).

  • Eligibility: Income-eligible homebuyers purchasing within specific target areas of Ogden.

  • More Information: Ogden Own in Ogden Program

Davis County Homeownership Assistance Program

  • Assistance: Provides a loan of up to $50,000 to help with down payment, closing costs, or principal reduction.

  • Terms: Deferred loan with 1% interest. No monthly payments. The principal plus accrued interest is due when the home is sold or refinanced.

  • Eligibility: First-time and repeat homebuyers purchasing in Davis County. Household income must be at or below 80% AMI. (Note: Funding cycles often open July 1st and close when funds are exhausted).

  • More Information: Davis County Housing Assistance

Community Development Corporation of Utah

  • Assistance: Provides up to $20,000 for down payment and closing costs.

  • Terms: Deferred loan. Repayment is due only when the home is sold, refinanced, or no longer owner-occupied.

  • Eligibility: First-time homebuyers purchasing a home anywhere in Salt Lake County (including Salt Lake City) for $522,500 or less. You must contribute **$1,000** of your own funds.

  • More Information: CDC Utah

Updated 1/26/2026

These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders, fill out this form here and I will connect you with one.

I've included all of the links and contact info needed to do this on your own, the form is meant to make it easier.