Utah First-Time Home Buyer Programs 2026
$7,500 DPA available through Utah Housing Corporation (UHC). UHC Score Loan offers up to $7,500 in DPA at 0% deferred — plus a competitive rate.
Max Assistance
$7,500 DPA
Type
0% deferred loan
Min Credit
620+
Max Home Price
$500,000
Ready to apply for Utah assistance?
Get pre-approved in minutes — your lender will connect you with UHC programs automatically.
Utah First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| UHC Score Loan Best statewide program | $7,500 | 0% deferred loan | 620+ | $88K–$128K |
Eligibility Requirements
- ✓620+ credit score
- ✓Income within UHC limits
- ✓Homebuyer education required
- ✓Primary residence in Utah
Pro Tip
Available statewide: Salt Lake City, West Valley City, Provo, West Jordan, Orem.
How to Apply for Utah Programs
Get Pre-Approved
Work with a UHC-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The 0% deferred loan is applied at closing — you don't pay extra at the table.
Official Agency
Utah Housing Corporation
UHC — Utah official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Utah?
The best program in Utah is the UHC Score Loan, which offers $7,500 as a 0% deferred loan. Minimum credit score: 620. Income limit: $88K–$128K.
How much down payment assistance is available in Utah?
Utah offers up to $7,500 DPA through Utah Housing Corporation (UHC). The assistance is structured as a 0% deferred loan. Income limits are $88,000–$128,000 depending on household size and county.
What credit score do I need for Utah first-time buyer programs?
Most Utah programs through UHC require a minimum credit score of 620. Some programs may accept lower scores with compensating factors. Check with an UHC-approved lender for your exact score requirements.
What is the income limit for Utah first-time buyer programs in 2026?
In 2026, Utah income limits are $88,000–$128,000 depending on household size and county. The home price limit is $500,000. These limits are set by Utah Housing Corporation.
Don't Leave $7,500 DPA on the Table
Pre-approval is free. Your lender will apply for UHC programs automatically — no extra work for you.
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