Funds AvailableStatewideSecond Mortgage
UHC Freddie Mac HFA Advantage
Utah Housing Corporation
$27,500
Maximum Assistance
120%
AMI Income Limit
Program Summary
Conventional loan program with potentially lower monthly mortgage insurance than FHA. Requires 680 minimum credit score. May have slightly higher interest rate but lower MI = lower overall payment. Income limit: $162,500. Can combine with UHC DPA. Good for buyers with strong credit.
Eligibility Requirements
Location
Available statewide in Utah
Buyer Type
Open to all buyers (first-time and repeat)
Income Limit
Household income must not exceed 120% of Area Median Income (AMI) for your county and household size.
Primary Residence
Must be your primary residence (not investment property)
How to Apply
Apply through UHC Participating Lender. Loan must be submitted through Freddie Mac LPA. See UHC website for AMI requirements by county.
Required Documents
- Per lender requirements
- Income verification
- Credit report (680+ score)