Updated 9/12/2026

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 (up to $27,500) with a 30-year fixed rate of 3.5% deferred simple interest — not 0% interest. No monthly payments; the outstanding principal and deferred interest are due upon sale, refinance, or maturity.

  • 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/

Utah First-Time Homebuyer Law Enforcement Officer Assistance Program

  • Assistance: Up to $25,000 toward a first home in or near the community where the officer works. Usable for down payment, closing costs, mortgage insurance, or an interest rate buydown. The Legislature funded it through the Olene Walker Housing Loan Fund to recruit and retain Utah law enforcement and correctional officers.

  • Terms: A forgivable loan, not a grant. No payment and no interest. A pro-rata share is forgiven each year the officer stays employed as an officer in Utah and lives in the home, so it is fully forgiven after 5 years. Some or all of it is repaid if the home is sold, the officer leaves law enforcement, or the home stops being the primary residence before then (extenuating circumstances can be considered). Forgiven amounts may bring an IRS Form 1099. It stacks with a Utah Housing down payment second mortgage, whose rate drops to as low as 4%; without a second, the first mortgage rate drops by up to 0.5%.

  • Eligibility: Full-time law enforcement or correctional officers as defined in Utah Code 53-13-103 or 53-13-104, buying as a first-time homebuyer: no ownership interest in a primary residence in the past 3 years, or a single parent with a dependent child, or someone who lost a spouse and no longer owns or occupies the prior home. Waived for officers relocating from out of state who buy within 6 months of starting work in Utah (12 months on a new construction contract). The first mortgage must be a Utah Housing FirstHome, FHA/VA, or Freddie Mac HFA Advantage loan through an approved Utah Housing lender, and the home must be owner-occupied within 30 days of closing. One program per property, once per officer.

  • Status (as of 9/11/2026): Utah Housing's page says the funds are currently depleted. Ask a participating lender whether the Legislature has added more before counting on it.

  • More Information: Utah Housing Law Enforcement Assistance Program

Utah Homebuyer Veteran Grant

  • Assistance: Up to $2,500 cash when you purchase a home.

  • Terms: A grant. The Utah Veterans Grant does not require repayment.

  • Eligibility: Members of the military, or veterans who separated in the last five years, buying their first home in Utah. No specific lender or loan program is required; the Utah Department of Veterans and Military Affairs (UDVMA) issues the certificate.

  • Status (as of 9/11/2026): Utah Housing's page says UDVMA reopened applications on August 3, 2026, with certificates for closings on or after August 14, 2026. Confirm funds remain before you write an offer around it.

  • More Information: Utah Housing Veterans Grants and the Utah Housing grants overview

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: West Valley City now partners with CBC Mortgage Agency to offer down payment assistance through the Chenoa Fund program, rather than the previous $7,500 city-administered benefit.

  • Terms: Per the city's official page, "please note that this program is not a grant." It is a Chenoa Fund second-mortgage loan; contact CBC Mortgage Agency for the current loan amount and forgiveness/repayment terms.

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

  • More Information: West Valley City Housing 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 with household income at or below 80% of the Area Median Income. Home Purchase Plus is for homes purchased in Provo; Loan to Own covers Utah County (excluding Fairfield, Highland, and Woodland Hills). 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).

  • Status (as of 8/31/2026): Davis County's official page currently displays a notice stating "The 2026 program funds have been exhausted. Applications will re-open on July 1, 2027." Confirm current fund availability with the county before assuming funds are open.

  • 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

$0 Down Options

While this isn't down payment assistance, these options may provide you with a program that does not require a down payment. USDA and VA loans are government-backed loans, while others may be portfolio loans from local financial institutions, which have their own unique rules.

Checked 9/12/2026 against each program's own pages. Rates are not listed here on purpose; every one of these is quoted by the lender, and portfolio lenders rarely publish theirs.

USDA Guaranteed Loan (Section 502)

  • Assistance: 100% financing, no down payment, and no monthly mortgage insurance. A one-time guarantee fee of 1% and an annual fee of 0.35% take its place.

  • Terms: 30-year fixed only. Made by an approved lender, with USDA guaranteeing the loan.

  • Eligibility: The home must be in a USDA-eligible area. In Utah that is most of the state: the Wasatch Front from roughly Willard to Santaquin, plus Logan, Tooele City, St. George and Cedar City, are excluded, and towns such as Brigham City, Tremonton, Grantsville, Hurricane, Heber City and Park City test as eligible. Adjusted household income must be at or below the county limit (about $145,000 for a household of one to four in Salt Lake County, higher in Summit and Wasatch). Every adult in the household counts toward income, on the loan or not.

  • More Information: USDA property and income eligibility (check the exact address before you count on it)

VA Home Loan

  • Assistance: No down payment and no monthly mortgage insurance at any loan size. With full entitlement there is no VA loan limit.

  • Terms: A one-time funding fee (2.15% of the loan on first use with nothing down, 3.30% on later use) can be financed into the loan. Veterans receiving VA disability compensation, and certain surviving spouses, pay no funding fee at all.

  • Eligibility: Veterans, active-duty service members, National Guard and Reserve members who meet the service minimums, and eligible surviving spouses. Guard members with 90 cumulative days of full-time Title 32 duty qualify under a 2020 law, even if told otherwise before. Proof is the Certificate of Eligibility, which most lenders can pull in minutes.

  • More Information: VA Home Loans

Cyprus Credit Union 100% Purchase Program

  • Assistance: No down payment required, and no mortgage insurance, per Cyprus's own brochure. A portfolio loan Cyprus keeps and underwrites in-house. Also available through its Nebo Credit Union division.

  • Eligibility: Cyprus membership. No income limits and no location limits, which is unusual for a 100% loan. Marketed to first-time buyers; confirm with Cyprus whether that is a requirement.

  • Terms: Loan maximum and structure are not published; ask the mortgage desk.

  • More Information: Cyprus Credit Union purchase mortgages | Mortgage desk 801-260-7605

Mountain America Credit Union 100% First-Time Homebuyer Loan

  • Assistance: As little as $1,000 down with financing up to 100% of the price, and no private mortgage insurance.

  • Terms: Fixed and adjustable options, plus a 40-year amortization with a balloon at year 15. Loan maximum $666,200, higher in high-cost counties. Seller may pay up to 3% toward closing costs. No prepayment penalty.

  • Eligibility: First-time homebuyers, meaning no primary residence owned in the last three years. Minimum credit score 660; debt-to-income up to 41% (660 to 679) or 43% (680 and up). No income limits.

  • More Information: Mountain America first-time homebuyer loan

America First Credit Union 100% No PMI Adjustable-Rate Mortgage

  • Assistance: No down payment (100% loan-to-value) and no mortgage insurance.

  • Terms: Rate fixed for the first five years, then adjusts every six months. Loan maximum $400,000, which fits Weber, Box Elder, Tooele, Carbon and rural counties better than Salt Lake or Utah County prices.

  • Eligibility: America First membership and approved credit. Not the same as America First's 100% home equity loan, which other sites confuse it with.

  • More Information: America First mortgage loans

Updated 9/12/2026

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.