Own in Salt Lake County Down Payment Assistance
Forgivable loan · New construction · Income limit 80% of AMI
Single-family detached, Condominium, Townhome
See details Jul 2026
Down payment assistance · Utah
Buying a home in Salt Lake County, UT
2 county-wide programs, 4 cities with their own, plus 10 statewide and 62 nationwide.Salt Lake has 2 programs that cover the whole county and 4 cities with a program of their own. On top of those, 10 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in Salt LakeAnywhere in Salt Lake County
2 programs for every Salt Lake address2 programs that cover every Salt Lake address
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Salt Lake City, West Jordan or South Jordan can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
CDCU "Own in" Down Payment Assistance Programs (DPA)
Deferred second loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single-family detached, townhouse, condominium, PUD
See details Jul 2026
AMI is HUD’s area median income for Salt Lake, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
4 cities with their own program4 Salt Lake cities with their own program
For a home inside that city, on top of the county-wide 2.A city program is for a home inside that city. Buying there? It sits on top of the 2 county-wide programs above.
The Salt Lake marketThe Salt Lake housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Salt Lake
- 59.8% single-familysingle-family
- 9.1% townhousetownhouse
- 6% 2–4 units2–4 units
- 23.3% 5+ unitscondo & apartment buildings (5+ units)
- 1.9% mobile & othermobile home & other
Condos count. All 2 county-wide programs and 4 of the 5 city programs list condos as eligible. South Jordan RDA Down Payment Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Salt Lake’s homes were built
pre-19401970s2020+
43.1%
of Salt Lake homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$126,100
HUD area median income, 4 people (FY2026)HUD area median income, Salt Lake County, 4-person household (FY2026)
$97,494
Median household income (ACS 2024 5-year)Median household income in Salt Lake (Census ACS 2024 5-year)
66.1%
of occupied homes are owner-occupied (Utah: 70.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 15 of the 79 programs here set their income limit as a share of Salt Lake County’s area median income, adjusted for household size. See the published limits for Salt Lake County
Free help in Salt LakeFree help in Salt Lake
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Salt Lake County
7 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 7 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Salt Lake County.
27 cities and placesA to Z
All cities in Salt Lake CountyAll 27 cities and places in Salt Lake County
has a program of its own
Salt Lake questions
Can I use a county program anywhere in Salt Lake?
The 2 county-wide programs cover homes anywhere in the county. City programs, like Salt Lake City’s and South Jordan’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Salt Lake County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Salt Lake programs accept condos?
All 2 county-wide programs and 4 of the 5 city programs list condos as eligible. South Jordan RDA Down Payment Assistance Program lists single family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Salt Lake?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Salt Lake County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.