DR
Dr. Haws
Utah's Dr. of Real Estate · David R. Haws
First-Time Home Buyers Utah — Dr. Haws
FIRST-TIME HOME BUYER UTAH 2026

Your First Utah
Home Starts Here

Down payment assistance programs, step-by-step guidance, and expert help from Utah's "Doctor of Real Estate" — free for first-time buyers.

3%
MIN DOWN PAYMENT (CONVENTIONAL)
$558K
MEDIAN PRICE, DAVIS COUNTY
0.6%
UTAH PROPERTY TAX RATE
30
DAYS TO CLOSE IN UTAH
THE BUYING PROCESS

How to Buy Your First
Utah Home in 6 Steps

01
Check Your Credit Score
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.
02
Get Pre-Approved
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.
03
Determine Your Budget
Use our mortgage calculator to find your comfortable monthly payment. Remember to include property tax, insurance, HOA fees, and maintenance.
04
Choose Your Neighborhood
Dr. Haws will walk you through every Utah neighborhood — schools, commute times, appreciation history, and future development plans.
05
Make a Winning Offer
In Utah's competitive market, your first offer needs to be strong. Dr. Haws knows exactly how to structure offers that win without overpaying.
06
Inspection & Closing
Dr. Haws manages every detail from inspection to title to keys. Most Utah closings happen in 30–45 days.
DOWN PAYMENT ASSISTANCE

Utah First-Time Buyer
Programs & Assistance

You may qualify for thousands in down payment assistance — most buyers don't know these programs exist.

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.
ONLY 3.5% DOWN
FHA Loan (Federal Housing Administration)
More lenient credit requirements (580+ score). Great for buyers with limited savings or lower credit scores.
0% DOWN PAYMENT
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.
0% DOWN, NO PMI
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.
UP TO $20,000 ASSISTANCE
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.
ONLY 3% DOWN
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.
Dr. David R. Haws
YOUR EXPERT GUIDE

Dr. David R. Haws
Utah's Doctor of Real Estate

With 19+ years of experience and over $200M in Utah homes sold, Dr. Haws has helped hundreds of first-time buyers navigate programs, negotiate winning offers, and close with confidence — at zero cost to the buyer.

GET STARTED TODAY

Ready to Buy Your
First Utah Home?

Schedule a free first-time buyer consultation with Dr. Haws. He'll walk you through every program you qualify for and every step of the process.

Or call directly: (801) 915-4315