Utah Housing FirstHome Loan Program

Utah Housing Corporation

Available Down Payment

About This Program

Provides down payment assistance and competitive interest rates for first-time homebuyers in Utah. Offers up to 3.5% down payment assistance as a second mortgage that is forgiven after maintaining residency for a certain period.

Down payment assistance based on 3.5% of purchase price; forgivable over time

Official program page checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Up to 3.5% down payment assistance
  • Forgivable second mortgage over time
  • Competitive below-market interest rates
  • Income limits apply (typically 80-110% AMI)
  • Must complete homebuyer education course

How to Apply

A grant-savvy contractor in Eagle Mountain, UT can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing, subject to funding availability

Questions about this program?

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