Help to buy in Utah
Home-buying assistance programs in Utah
2 official programs for down payment and closing cost help in Utah, from Utah Housing Corporation. We show what each program says on its own page, with the date we checked it.
Key numbers in Utah
- Verified programs
- 2
- from Utah Housing Corporation
- First-time buyers only
- 1
- 1 does not require it or its page does not say
- Accept an ITIN
- 0
- per their own site · no: 2 · unconfirmed: 0
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Repayable
Second loan with monthly payments
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Deferred
Second loan with no payments until you sell or refinance
The full list
Programs in Utah
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Repayable
- Deferred
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
What it gives, per the source
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.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- No, per its site
Run by Utah Housing Corporation (UHC)
Verified November 5, 2026
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Utah state loan, run by Utah Housing, of up to $20,000 with no interest or monthly payments for the down payment, closing costs or a lower rate; only for first-time buyers of a newly built home with a Utah Housing mortgage
What it gives, per the source
You may receive up to $20,000 in Program Assistance and the funds may be used for down payment, closing costs, and/or a permanent interest rate buy down for the qualifying mortgage loan.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- No, per its site
Run by Utah Housing Corporation (UHC)
Verified November 5, 2026
No program matches your search.
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.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Utah?
Of the 2 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 2; not confirmed on its site, 0. Ask the participating lender directly before you start, and ask for it in writing.