Utah Housing Down Payment Assistance Second Mortgage
Second mortgage · New construction · Income limits
Down payment assistance · Utah
Buying a home in Utah
27 programs: 10 statewide, the rest run by counties and 8 cities. What you can use depends on where the home is.27 programs across Utah: 10 statewide, the rest run by counties and 8 cities. What you can use depends on where the home is.
Free · No SSN · No credit pull
Start with your county
Local help, prices and income limits differ county to county
- Salt Lake7 local programs · $525,700 · AMI $126,100
- Davis3 local programs · $505,500 · AMI $117,900
- Utah3 local programs · $538,700 · AMI $119,200
- Washington1 local program · $510,700 · AMI $105,900
- All 29 counties
Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–July 2026.
Anywhere in Utah
10 statewide programs
First-time Homebuyer Law Enforcement Officer Grant
Assistance grant · New construction · Income limits · First-time
First-Time Homebuyer Grant
Assistance grant · New construction · Income limits · First-time · Veterans
- Veterans · 14
- Teachers · 8
- First responders · 9
- Healthcare workers · 9
- With FHA · 23
- With VA · 21
- With conventional · 21
- With USDA · 17
Plus 62 nationwide programs. See them See nationwide programs
Free help from a person
9 HUD-approved counseling agencies in Utah9 HUD-approved housing counseling agencies in Utah
7 of the 10 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.7 of the 10 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.
Find my counselor
Free account → 90-second match → your counselors
Income limitsIncome limits and price caps in UtahArea median income for all 29 counties, and the limit each program sets.See the limits
Utah questions
What is Utah Housing Down Payment Assistance Second Mortgage?
Utah Housing Down Payment Assistance Second Mortgage, a second mortgage (new construction, income limits), open anywhere in Utah and run by Utah Housing Corporation (UHC). Its page has the details and a link to the official site.
Which Utah counties run their own programs?
5 counties of 29 have a county or city program listed, among them Salt Lake, Davis, Utah and Washington. The table above lists them, and each county page has its own programs.
Do I need a homebuyer class in Utah?
Many programs ask for one. 7 of the 10 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.
Can I use assistance on a Utah condo?
9 of the 10 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.
8 Utah cities with their own program