Utah Down Payment Assistance 2026: UHC FirstHome, Grants & Complete DPA Guide
UHC FirstHome: below-market rate + up to 6% DPA · Salt Lake City: $10K grants · Park City: up to $650K purchase price
660+ credit · FHA / VA / USDA / Conventional · Statewide + city programs
⚡ Quick Answer: Utah DPA Programs at a Glance
- ✅ UHC FirstHome — up to 6% DPA, 0% second mortgage
- ✅ UHC HomeAgain — same for repeat buyers
- ✅ UHC Score Loan — 620+ credit, higher rate
- ✅ UHC NoMI Loan — no mortgage insurance required
- 🏙️ Salt Lake City HOME — up to $10,000 forgivable
- 🏙️ Provo CDBG — up to $15,000
- 🏙️ NeighborWorks SLC — up to $10,000
- 🏙️ Ogden City DPA — up to $8,000
Utah Housing Corporation (UHC) Programs 2026
| Program | Who It's For | Min Credit | DPA Available | Rate |
|---|---|---|---|---|
| FirstHome Loan | First-time buyers only | 660 | Up to 6% | Below market |
| HomeAgain Loan | Repeat buyers (3yr gap) | 660 | Up to 6% | Below market |
| Score Loan | 620–659 credit buyers | 620 | Up to 4% | Higher rate |
| NoMI Loan | Avoid mortgage insurance | 680 | Optional DPA | Slightly higher |
💡 Best combo: Salt Lake City buyer, $450K home, FHA + UHC FirstHome DPA ($27,000 at 6%) + Salt Lake City HOME grant ($10,000) = $37,000 total assistance. FHA down payment ($15,750) fully covered. Out-of-pocket: closing costs only (~$8,000).
UHC Income & Purchase Price Limits by County (2026)
| County | Income Limit (1–2) | Income Limit (3+) | Max Purchase Price |
|---|---|---|---|
| Salt Lake County | $117,600 | $137,200 | $562,000 |
| Utah County (Provo) | $112,000 | $130,667 | $542,000 |
| Davis County | $110,400 | $128,800 | $555,000 |
| Weber County (Ogden) | $96,800 | $112,933 | $495,000 |
| Washington Co. (St. George) | $96,000 | $112,000 | $505,000 |
| Summit County (Park City) | $140,000+ | $163,333+ | $650,000 |
| Cache County (Logan) | $92,000 | $107,333 | $475,000 |
| Tooele County | $95,200 | $111,067 | $490,000 |
How to Apply for Utah Down Payment Assistance
Verify Your Eligibility
Check utahhousingcorp.org — confirm your county income limit and purchase price limit. First-time buyer = no ownership in past 3 years. Check credit score (660 minimum for most programs, 620 for Score loan).
Complete Homebuyer Education
UHC requires 1-hour online homebuyer education via Framework or eHome. Takes about 1 hour, costs $75. Certificate valid for 2 years. Complete before applying for DPA.
Find a UHC-Approved Lender
Only UHC-approved lenders can offer UHC programs. Search at utahhousingcorp.org/lenders. Ask: "Do you offer UHC FirstHome with DPA?" Most major Utah banks and credit unions participate.
Apply Simultaneously for Both Loans
Your lender applies for the UHC first mortgage and DPA second mortgage at the same time. Submit: 2 years tax returns, 2 months pay stubs, 2 months bank statements, ID and homebuyer education certificate.
Close on Your Utah Home
DPA funds are disbursed at closing — you never touch the money. The second mortgage (DPA) has no monthly payment. It's due only when you sell, refinance, or pay off your first mortgage.
Utah DPA Frequently Asked Questions
What down payment assistance programs are available in Utah in 2026?
Utah down payment assistance programs 2026: (1) Utah Housing Corp (UHC) FirstHome Loan — 30-year fixed below-market rate + DPA up to 6% of purchase price for first-time buyers. (2) UHC HomeAgain Loan — same benefits for repeat buyers who haven't owned in 3 years. (3) UHC Score Loan — for buyers with 620–659 credit; higher rate but DPA available. (4) Salt Lake City HOME Program — up to $10,000 for city residents. (5) Provo CDBG DPA — up to $15,000 for Provo buyers. (6) NeighborWorks Salt Lake — up to $10,000 forgivable. All require 3+ hours homebuyer education. Income limits apply (typically 80%–100% AMI).
How does the Utah Housing Corporation FirstHome loan work?
UHC FirstHome Loan 2026: A 30-year fixed-rate mortgage at a below-market rate (typically 0.25%–0.50% below market) paired with optional down payment assistance of up to 6% of the purchase price as a 30-year 0% second mortgage. The DPA has no monthly payments — it's due when the first mortgage is paid off, you sell, or refinance. Requirements: first-time buyer (no ownership in past 3 years), minimum 660 credit score, income at or below county limit, purchase price at or below county limit (Salt Lake: $562,000), complete a 1-hour online homebuyer education course.
What is the income limit for Utah down payment assistance?
UHC income limits for 2026 by county: Salt Lake County: $117,600 (1–2 person), $137,200 (3+ person). Utah County (Provo): $112,000 (1–2 person), $130,667 (3+ person). Weber County (Ogden): $96,800 (1–2 person), $112,933 (3+ person). Davis County: $110,400 (1–2 person), $128,800 (3+ person). Washington County (St. George): $96,000 (1–2 person), $112,000 (3+ person). Summit County (Park City): $140,000+ (1–2 person) — higher limits for high-cost area. Check utahhousingcorp.org for your exact county.
What is the purchase price limit for Utah Housing programs?
UHC purchase price limits (2026): Salt Lake County: $562,000. Utah County: $542,000. Davis County: $555,000. Weber County: $495,000. Washington County (St. George): $505,000. Summit County (Park City): $650,000 (high-cost). Tooele/Box Elder/Cache Counties: $475,000–$500,000. Note: Utah's median home price in Salt Lake City has risen to ~$565,000 in 2026 — some homes in the metro will exceed the purchase price limit. Consider conventional loans with separate DPA for higher-priced homes.
Can I use Utah DPA with an FHA loan?
Yes. UHC programs are available with FHA (3.5% down), VA (0% down), USDA (0% down), and conventional (3%–5% down) loans. The UHC DPA covers the down payment requirement when combined with FHA — meaning you could buy with $0 out of pocket for the down payment. Example: $400,000 home with FHA + UHC DPA (6% = $24,000): FHA requires $14,000 (3.5%), UHC covers $24,000. Net result: $0 down payment + closing costs (~$8,000–$10,000). Some sellers in Utah accept buyer closing cost assistance (seller concessions) to cover even closing costs.
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Meet Sarah
Senior Mortgage Advisor & VA Loan Specialist
Sarah Mitchell brings over 12 years of mortgage industry expertise, specializing in VA loans and first-time homebuyer programs. As a certified NMLS professional, she has helped thousands of veterans and military families achieve homeownership through specialized loan programs. Her deep understanding of VA benefits and down payment assistance programs makes her a trusted advisor for service members transitioning to civilian life.
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KEY ACHIEVEMENT:
Helped 2,500+ veterans secure home loans