What is down payment assistance in Utah?

Down payment assistance (DPA) programs in Utah provide grants, forgivable loans, or low-interest second mortgages to help homebuyers cover their down payment and closing costs. Programs are offered by the state (Utah Housing Corporation), counties, and cities, with assistance amounts ranging from $2,500 to $85,000 depending on the program.

Who qualifies for Utah down payment assistance?

Eligibility varies by program but typically includes income limits (usually 80-120% of Area Median Income), property location requirements, minimum credit scores (typically 620-680), and sometimes first-time homebuyer status. Some programs have special benefits for teachers, first responders, veterans, and healthcare workers.

How much down payment assistance can I get in Utah?

Utah homebuyers can access up to $85,000 in combined assistance by stacking multiple programs. Individual programs range from $2,500 (UHC Veteran Grant) to $50,000+ (Davis County, Own in Ogden for qualifying occupations). The exact amount depends on your location, income, occupation, and which programs you qualify for.

Do I have to pay back down payment assistance?

It depends on the program type. Grants don't require repayment. Forgivable loans are forgiven if you stay in the home for a set period (usually 5 years). Deferred loans are repaid when you sell, refinance, or pay off the mortgage. Second mortgages have monthly payments but often at below-market rates.

How do I apply for Utah down payment assistance?

Start by taking our free eligibility quiz to see which programs you may qualify for. Then, work with a participating lender (like The Tim Hawkes Team) who can verify your eligibility and guide you through the application process for each program. Most programs require homebuyer education courses.

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Utah DPADown Payment Finder

Serving All of Utah

Updated January 2026

Utah Down PaymentAssistance 2026Programs

Find down payment assistance programs for first time home buyers in Utah. Take our free 5-minute quiz and unlock up to $85,000 in grants and forgivable loans.

Utah DPA Finder is a free educational resource. Program eligibility is determined by administering agencies and participating lenders.

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Utah has some of the best down payment programs in the nation

$40K+

Average assistance per buyer

13+

Active programs tracked

Utah counties covered

Up to $85,000

In available assistance across Utah programs

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How It Works

Find your down payment assistance in three simple steps

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Take the Quiz

Answer a few simple questions about your situation. No SSN or sensitive info required.

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We instantly match you with programs you may qualify for, showing potential assistance amounts.

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Get Expert Help

Optionally connect with a licensed lender who can verify eligibility and guide your application.

Utah's Most Complete2026 DPA Guide

We track all available down payment assistance programs across Utah so you don't miss out on money you're eligible for. Updated January 2026 with the latest funding status for every program.

24+ active Utah DPA programs for 2026

City, county, and statewide options

First-time buyer and repeat buyer programs

Special programs for veterans & teachers

Grants and forgivable loans available

Updated monthly with latest funding status

Provo

Deferred Loan

$60,000

Ogden

Carry-Back Mortgage

$50,000

Murray

Forgivable Loan

$30,000

Midvale

Forgivable Loan

$30,000

...and many more programs available

Ready to Own Your Home?

Take the first step today. Our free eligibility quiz takes just 5 minutes and could save you tens of thousands of dollars.

Maintained by licensed Utah mortgage professionals

Tim Hawkes & Jake Peterson

The Tim Hawkes Team | Cornerstone Home Lending

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