DOWN PAYMENT ASSISTANCE UP TO 6%
Utah Housing Corporation (UHC) FirstHome Loan
30-year fixed rate loan with down payment assistance for first-time buyers. Income and purchase price limits apply.
FHA Loan (Federal Housing Administration)
More lenient credit requirements (580+ score). Great for buyers with limited savings or lower credit scores.
USDA Rural Development Loan
Zero down payment for homes in eligible rural areas. Many Utah cities qualify including parts of Weber and Box Elder counties.
VA Home Loan (Veterans)
Zero down payment, no PMI, and competitive rates for veterans and active military. Utah has a large veteran population near Hill AFB.
Utah Down Payment Assistance Program
Utah Housing offers a second mortgage for down payment and closing costs. Can be combined with FHA or conventional loans.
Conventional 3% Down (Fannie Mae HomeReady)
Only 3% down for buyers at or below 80% of area median income. Lower PMI rates than standard conventional loans.