Utah First Time Home Buyer Programs



Utah First Time Home Buyer Programs

Are you excited by the idea of buying your first home in Utah? Would you like information on various programs that are available to help you purchase that first home? Well, then, read on to find out how the state of Utah provides programs for its residents who are first time home buyers and need help with the down payment and closing costs. In addition, there are Federal programs available as well as programs from private foundations and local municipalities. In many cases this is free grant money that shouldn’t be passed up! The program amounts can be in the thousands of dollars. It will be well worth your time to educate yourself about the grant programs that are available to residents in Utah.



UTAH HOUSING doesn’t directly offer a cash grant, but they do offer down payment assistance programs.

Down Payment Assistance

Utah Housing loans allow you to borrow all or a portion of your down payment and closing costs. You can purchase a home with FHA or VA financing with little or no cash investment through a Utah Housing Participating Lender. You can get the complete details of this program by visiting here.

Here is the contact information for Utah Housing Corporation:

Utah Housing Corporation
2479 South Lake Park Blvd.
West Valley City, Utah 84120
Phone: 801.902.8200
Toll Free: 800.284.6950

Other Programs Available in Utah

In addition to the home buyer grant programs described above, the U.S. Department of Agriculture provides home buyer assistance and grants in every state. There are multiple grant programs designed specifically for people that meet certain requirements, such as grants for people with disabilities so they can continue to live independently at home. It is worth visiting USDA’s website to see what assistance is currently available in Utah. For your convenience, simply go to this page.

Here is the contact information for the HUD office in Utah:

Salt Lake City Field Office
125 South State Street
Suite 3001
Salt Lake City, UT 84138
Phone: (801) 524-6070
Fax: (801) 524-3439



There are also these local programs in Utah:

Multi Counties Bear River Association of Governments First Time Homebuyer Program (FTHB) (435) 752-7242

Multi Counties Housing Services of Utah Valley Loan to Own Program (LTO) (801) 852-6164

“Check that you qualify by reviewing the program details.

  • Downloadand fill out an application.
    • Return a completed and signed application to the Redevelopment Agency.
      • 250 West Center Street
        Suite #340
        Provo, Utah  84601
      • Phone: 801-852-6160
      • Fax: 801-375-1469
    • Attach copies of Federal Income Tax returns (1040’s) for the past three years.
    • Attach copies of pay stubs for the last three months for all working household members over 18 years of age.”

Ogden Own-in-Ogden Program (801) 629-8942

Provo 80/20 Down Payment and Closing Cost Assistance Program (DPA) (801) 852-6160

Provo City Home Purchase Plus 801-852-6160

“What is it?

A 0% deferred payment loan to assist low-income families/individuals in becoming home owners in Provo (see income chart).
Must be first-time home buyer (click here for definition of first-time home buyer).
Must qualify for a first mortgage through a lender of the buyer’s choice.  It is a requirement that spouses or partners be included on our loan and on title whether or not their income is necessary to qualify for this loan.
Single individuals may qualify for loans on a maximum two-bedroom house.

How much can you qualify for?

The Home Purchase Plus loan is to provide down-payment and/or closing cost assistance of 6% of the purchase price or $10,000, whichever is less, city wide.
$20,000 available for down-payment assistance for Liberty Place Development only.
You must be able to put down $1,000 of your own money.
Subject to RDA underwriting criteria.”

Provo Neighborhood Works Home Buyer Programs (801) 375-5820

“NeighborWorks Provo is a U.S. Department of Housing and Urban Development (HUD) certified counseling agency and our counselors are all HUD certified as well.

When potential homeowners attend a home buyer education class, it increases the likelihood of successful homeownership and reduces the potential for mortgage problems that may arise in the future. This class will help you make informed decisions and could save you hundreds and even thousands of dollars as you purchase your first home. The topics will help you know what to expect during the home-buying process. Knowledge is key to feeling at ease and making the process go smoothly when you purchase your home, keep it maintained and enjoy living in your neighborhood and community.”
Salt Lake Community Development Corporation of Utah Own in Salt Lake Down payment Assistance Program (DAP) (801) 994-7222

Salt Lake Neighborhood Works Down Payment Assistance Program (801) 539-1590

“Found the home of your dreams?  Make your dream of owning a home a reality with a downpayment assistance grant from NeighborWorks Salt Lake.

Grants are available for homes purchased within the NWSL serivce area: 1700 South to the Salt Lake/Davis County line and I-15 to the Salt Lake International Airport and in Murray City.
Additional Requirements

Be a first-time home-buyer
Have $1,000 minimum downpayment (this can include earnest money and appraisal costs)
Setup a meeting with our mortgage loan originator
Attend a HUD-approved homebuyer education class. NWSL does offer classes in-house and online at www.ehomeamerica.org
The home must be owner-occupied”

Tooele County Down Payment Assistance Program (DAP) (435) 882-7875

“The Down Payment Assistance Program is funded by Community Development Block Grant (CDBG) and has been established to obtain a home within the boundaries of Tooele County.

Here are the basic guidelines for applicants of the program:

Must be at or below the applicable income limits.
Must be first time home buyers (an individual, and his or her spouse who have not owned a home during the three-year period prior to the purchase of a home with assistance under CDBG. The term first-time home buyer also includes displaced homemakers and single parents.).
Must receive an approved FHA, VA or conventional loan.
Must be a U.S. Citizen or Resident Alien and be 18 years of age or older.
Must contribute a minimum of $500.00 of their own money towards the down payment or closing costs.
Must be willing to complete a HUD approved home buyer education course and obtain a certificate of course completion.
Home must be able to pass the visual assessment for health and safety concerns, and for Lead Based Paint concerns for homes built prior to 1978.”

West Jordan Down Payment Assistance Program (DPA) (801) 569-5060

West Valley City Down Payment Assistance Program (HOP) (801) 963-3280

“Homeownership is one of the keys to healthy neighborhoods. In order to encourage homeownership within West Valley City, a down payment assistance grant in the amount of $5,000 is available to households wishing to locate within West Valley City boundaries. There are several requirements in conjunction with this grant. Program guidelines are listed in the links below”



About Jennifer Cribsly

I'm a former real estate broker who specialized in helping first time buyers be able to purchase a home. Now full time mom, part time real estate owner/investor.
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