Utah Down Payment Assistance
Utah Down Payment Assistance Programs
A guide to current down payment assistance options in Utah, including the state Housing Finance Agency, well-known city and county programs, and live DPA mortgage pricing for Utah homebuyers.
Utah Housing Finance Agency
Utah Housing Corporation (UHC)
UHC administers the primary DPA programs for Utah. Program details below are current as of October 17, 2026 - confirm current terms directly with UHC before applying.
Statewide DPA Programs in Utah
FirstHome Loan
UHC
30-year fixed-rate first mortgage typically offering UHC's lowest first-mortgage interest rate; eligible to pair with a UHC DPA Second loan.
Paired with: FHA, VA, Conventional
- First-time homebuyer: Required
- Primary residence only
- Minimum FICO: 660
- Income: See UHC FirstHome income and purchase price limits.
- Homebuyer education required
First-time homebuyer program (no ownership in a primary residence in the last three years). Property must remain owner-occupied throughout the term.
Source: utahhousingcorp.org
FHA/VA Mortgage
UHC
30-year fixed-rate FHA or VA first mortgage for first-time and repeat buyers; eligible to pair with a UHC DPA Second loan.
Paired with: FHA, VA
- First-time homebuyer: Not required
- Primary residence only
- Minimum FICO: 620
- Income: Annual income limit based on qualifying income; follows FHA loan limits.
UHC has temporarily suspended its HomeAgain, NoMI, and Score loan programs; this is the main option for repeat buyers and buyers who do not qualify for FirstHome.
Source: utahhousingcorp.org
Freddie Mac HFA Advantage
UHC
30-year fixed-rate conventional first mortgage with reduced mortgage insurance costs; eligible to pair with a UHC DPA Second loan.
Paired with: Conventional
- First-time homebuyer: Not required
- Primary residence only
- Minimum FICO: 680
- Income: Annual income limit based on qualifying income; follows Freddie Mac conforming loan limits.
Source: utahhousingcorp.org
UHC DPA Second - Traditional (Amortizing) Option
UHC
Up to 6% of the first mortgage loan amount (capped at $27,500) as a 30-year fixed-rate second lien at an interest rate 1% higher than the first mortgage rate (not to exceed 8%).
Paired with: FHA, VA, Conventional
- Primary residence only
- Homebuyer education required
Must be paired with a UHC first mortgage. Borrowers make monthly payments on both first and second liens.
Source: utahhousingcorp.org
UHC DPA Second - Deferred Option
UHC
3.5% of the first mortgage loan amount (capped at $27,500) as a 30-year fixed loan at 3.50% deferred simple interest; payments due upon maturity, sale, or refinance.
Paired with: FHA, VA, Conventional
- Primary residence only
- Homebuyer education required
No monthly payment required. Must be paired with a UHC first mortgage.
Source: utahhousingcorp.org
First-Time Homebuyer Assistance Program (New Construction)
UHC
Up to $20,000 for down payment, closing costs, and/or a permanent interest rate buy-down on a UHC primary-mortgage for qualifying first-time homebuyers purchasing a newly constructed or never-before-occupied home.
Paired with: FHA, VA, Conventional
- First-time homebuyer: Required
- Primary residence only
- Homebuyer education required
Established under Utah SB240; eligible properties are limited to new construction not yet inhabited, with a purchase price up to $450,000. Funds available until depleted.
Source: utahhousingcorp.org
Utah Notes for Homebuyers
- Utah uses trust deeds with non-judicial foreclosure.
2026 Loan Limits in Utah
Conforming (Conventional)
$832,750 baseline
Some Utah counties qualify as high-cost, with limits up to $1,249,125.
FHA
$541,287
Standard FHA limit. Select high-cost Utah counties allow more, up to $1,249,125.
Live DPA Pricing for Utah
Pricing below is sourced live from hundreds of wholesale lenders for a Utah scenario. Edit the inputs to match your situation.
FHA Down Payment Assistance
Up to 5% assistance; repayable second at first rate + 2% over 10 years
▸Program details
- ✓Minimum credit score: 580
- ✓Non-traditional credit also possible
- ✓Assistance up to 2.5%, 3.5%, or 5% of the lesser of purchase price or appraised value
- ✓Assistance can be used for down payment, closing costs, or both
- ✓Second lien: 10-year fixed, repayable
- ✓Second lien rate is 2% higher than the first mortgage rate
- ✓No first-time homebuyer requirement
- ✓No income cap
- ✓Purchase of primary residence only
- ✓Eligible properties: 1-unit residences, PUD, 2-4 units, FHA-approved condos, manufactured (single/double-wide)
- ✓DTI per AUS and FHA manual underwriting guidelines
- ✓First lien: FHA 30-year fixed
Assistance amount
Compare DPA options for Utah with live pricing
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