Everything you need to know about buying your first home in Utah — programs, down payment assistance, step-by-step process, and expert guidance from Dr. Haws.
3%
Minimum Down Payment (Conventional)
$558K
Median Home Price, Davis County
0.6%
Utah Property Tax Rate (Lowest in West)
30 Days
Average Time to Close in Utah
Dr. Haws' step-by-step guide for first-time buyers
Pull your free credit report at AnnualCreditReport.com. You need 580+ for FHA, 620+ for conventional. Dr. Haws can refer you to credit repair specialists if needed.
Before you look at a single home, get pre-approved with a Utah lender. This tells you exactly what you can afford and makes your offers competitive.
Use our mortgage calculator to find your comfortable monthly payment. Remember to include property tax, insurance, HOA fees, and maintenance.
Dr. Haws will walk you through every Utah neighborhood — schools, commute times, appreciation history, and future development plans.
In Utah's competitive market, your first offer needs to be strong. Dr. Haws knows exactly how to structure offers that win without overpaying.
Dr. Haws manages every detail from inspection to title to keys. Most Utah closings happen in 30–45 days.
You may qualify for thousands in down payment assistance — most buyers don't know these programs exist
30-year fixed rate loan with down payment assistance for first-time buyers. Income and purchase price limits apply.
Only 3.5% down payment required. More lenient credit requirements (580+ score). Great for buyers with limited savings.
Zero down payment for homes in eligible rural areas. Many Utah cities qualify including parts of Weber and Box Elder counties.
Zero down payment, no PMI, and competitive rates for veterans and active military. Utah has a large veteran population near Hill AFB.
Utah Housing offers a second mortgage for down payment and closing costs. Can be combined with FHA or conventional loans.
Only 3% down for buyers at or below 80% of area median income. Lower PMI rates than standard conventional loans.
AI-powered estimate in 60 seconds. No obligation.
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Dr. Haws has helped hundreds of first-time buyers navigate Utah's market. Free consultation — he'll walk you through every step.
With down payment assistance programs and Dr. Haws' guidance, many first-time buyers are surprised by how quickly they can get into a home.
Call Dr. Haws — Free First-Time Buyer ConsultMarket updates, Utah housing insights, and neighborhood spotlights — free every month.
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