Assistance program · Utah
Utah Housing Down Payment Assistance Second Mortgage
Utah state agency second mortgage for the down payment or closing costs alongside its first mortgage: up to 6% of the loan with monthly payments, or up to 3.5% at 3.5% with deferred interest and no payments; capped at $27,500
At a glance
- Most it gives, per the source
- Up to $27,500
- What its page says; your amount depends on the price and the loan.
- Kind of help
- Repayable · Deferred
- Second loan with monthly payments
- First-time buyer?
- Not stated — ask
- The source does not say whether you must be a first-time buyer
- Checked
- November 5, 2026
- Against the program's official page.
Type of help
What it is
- Second loan with monthly payments
- Second loan with no payments until you sell or refinance
What it gives
Up to $27,500
Source text
UHC offers down payment assistance loans, which may be combined with any of our first mortgage loan programs to help families that do not have sufficient funds for down payment or closing costs. … Up to 6% of the first mortgage loan amount … Not to exceed $27,500. … 30-year fixed rate, fully amortizing loan. … Up to 3.5% of the first mortgage loan amount … 30-year fixed rate second mortgage at an interest rate of 3.5% … No monthly payment required. … The outstanding principal and deferred interest are due upon maturity, sale, or refinance of the property. A summary of what the program publishes; not a loan offer or advice. Amounts, limits and funding change without notice.
At a glance
Who qualifies
Each answer comes from the program's page. "Not stated — ask" means its page doesn't make it clear: ask before you apply.
Source text
Borrowers who are approved and close concurrently with an eligible UHC First Mortgage and meet all required FHA, VA, or Conventional guidelines are eligible for the DPA Second. There are no additional eligibility or property restriction requirements. … Homebuyer Education is recommended but not required. - First-time buyers only Not stated — ask
- Homebuyer course required No
- Minimum credit score Not stated — ask
- Income limit The source does not mention one
- Price limit Per the program table
- Mortgages it works with FHA, VA, Conventional
- Immigration requirement The source does not mention one — ask
- Accepts ITIN? No
- Spanish materials Not stated — ask
- Program status The source does not say whether it is open — ask
- Where it applies All of Utah
What its page says about being open
Its page does not say whether the program is open or has funds. Ask the lender or the agency before counting on it. Read on the official page on November 5, 2026.
Your area in numbers
What buying costs in Utah
The program covers all of Utah. The first column is Utah's figure; the second runs from the lowest to the highest among its counties. Limits change by county: check yours.
The typical home value ($489,400) fits within Utah's FHA limit ($541,287).
| Figure | Utah | Lowest to highest | Source |
|---|---|---|---|
| Typical home value | $489,400 | $218,700 (Emery County) to $1,067,700 (Summit County) | U.S. Census Bureau |
| FHA limit (one-unit home) | $541,287 | $541,287 (Beaver County) to $1,163,800 (Wasatch County) | HUD |
| Conforming limit (one-unit home) | $832,750 | $832,750 (Beaver County) to $1,150,000 (Wasatch County) | FHFA |
| HUD low income (80%), household of 4 | $85,050 | $85,050 (Beaver County) to $106,800 (Wasatch County) | HUD |
Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024) · FHA mortgage limits (HUD) (2026 data) · Conforming loan limits (FHFA) (2026 data) · Income Limits (HUD) (Fiscal year 2026)
Step by step
How to use it, step by step
Each step comes from what the program's page says. What its page leaves out is further down, in the questions.
Find a participating lender-
Ask first whether it is open
Its page does not say whether it is open or still has funds. That is the first thing to ask.
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Pick a mortgage it works with
According to its page, the help is used together with a FHA, VA and Conventional loan. Each loan type has its own requirements.
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Find a participating lender: state programs do not take applications directly; the lender reserves the assistance while processing your mortgage.
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Compare the total cost before you sign
Ask about the total cost. The mortgage with assistance may carry a higher rate than without it, and some programs charge for the course or a fee.
Before you call
What to ask
Its page leaves 7 points unclear. Write them down for when you talk to Utah Housing Corporation.
What its page does not say
- Is it open now, and does it still have funds?
- Is it only for first-time buyers?
- Is there an income limit for my household?
- Is there a maximum price for the home?
- What minimum credit score do you require?
- Which immigration status or residency documents do you ask for?
- Do you have materials or staff in Spanish?
Worth asking for this kind of help
- What rate and monthly payment does the second loan have?
- When is the second loan repaid: when I sell, refinance or pay off the mortgage?
Against the others
How it compares with Utah's other programs
The 2 programs we checked in Utah, with the same fields from their official pages. "Doesn't say" means its page does not make it clear.
It is the only one of Utah's 2 programs whose page does not say whether you must be a first-time buyer. It is one of 2 out of 2 that publish an amount with the figure in their own wording. It is the only program in Utah on our list with "repayable" help.
Swipe the table to see every column.
| Program | Kind of help | Published amount | First-time buyers only | Course required | Accepts ITIN | Where it applies |
|---|---|---|---|---|---|---|
| Utah Housing Down Payment Assistance Second Mortgagethis program | Repayable · Deferred | Up to $27,500 | Doesn't say | No | No | Statewide |
| First-time Homebuyer Assistance Program | Deferred | Up to $20,000 | Yes | Doesn't say | No | Statewide |
Sources
How we checked this program
We read the program's official pages on November 5, 2026 and copied their text as it appears on them. We add no amounts or requirements those pages do not state, and a program is listed as open or closed only when its page says so.
We check every program again. If more than 180 days pass without a check, the page says so.
Get free help applying
A HUD-approved housing counselor explains the program's requirements, goes over your numbers and tells you what to ask the lender. They do not sell loans.
Find a counselor (HUD)Read before you apply
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Help and programs
Down payment assistance: how it works
What down payment assistance is, the types that exist (grant, forgivable or deferred second loan, tax credit), who qualifies and where to find it.
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Mortgage loans
FHA loan: down payment, insurance, limits and who qualifies
How an FHA loan works: the down payment and credit score HUD requires, MIP mortgage insurance, your county limit, the home and the residency rules.
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Mortgage loans
VA home loans: who qualifies, the COE and what it costs
How a VA home loan works: who qualifies, getting your Certificate of Eligibility (COE), the funding fee and the rule that you must live in the home.
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.