Down payment assistance income limits in Utah
27 down payment assistance programs in Utah publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each Utah county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Beaver | 2026 | $96,100 |
| Box Elder | 2026 | $102,500 |
| Cache | 2026 | $99,100 |
| Carbon | 2026 | $79,700 |
| Daggett | 2026 | $100,800 |
| Davis | 2026 | $117,900 |
| Duchesne | 2026 | $94,400 |
| Emery | 2026 | $98,300 |
| Garfield | 2026 | $93,000 |
| Grand | 2026 | $102,900 |
| Iron | 2026 | $97,500 |
| Juab | 2026 | $119,200 |
| Kane | 2026 | $101,500 |
| Millard | 2026 | $84,800 |
| Morgan | 2026 | $117,900 |
| Piute | 2026 | $60,800 |
| Rich | 2026 | $96,900 |
| Salt Lake | 2026 | $126,100 |
| San Juan | 2026 | $76,000 |
| Sanpete | 2026 | $80,900 |
| Sevier | 2026 | $89,300 |
| Summit | 2026 | $167,700 |
| Tooele | 2026 | $127,100 |
| Uintah | 2026 | $94,100 |
| Utah | 2026 | $119,200 |
| Wasatch | 2026 | $136,200 |
| Washington | 2026 | $105,900 |
| Wayne | 2026 | $99,300 |
| Weber | 2026 | $117,900 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| CDCU "Own in" Down Payment Assistance Programs (DPA)Salt Lake City|South Salt Lake|West Valley City|Murray|Midvale · Salt Lake | 80% of area median incomeAt or below 80% AMI for Salt Lake County HUD income limits; $59,400 (1-person) to $111,950 (8-person household). | $492,000 |
| Chenoa Fund FHA Down Payment Assistance ForgivableStatewide · Statewide | See programNo income limit at 620+ FICO; at 600-619 FICO, household income capped at 140% AMI for most areas (per current product matrix). | $766,550 |
| Chenoa Fund FHA Down Payment Assistance RepayableStatewide · Statewide | See programNo income limit at 620+ FICO; income-tiered at 600-619 FICO per CBCMA product matrix (typically <=140% AMI). | $766,550 |
| Davis County Homeownership Assistance ProgramStatewide · Davis | $96,4002025 max yearly household income by size: 1 $67,500; 2 $77,150; 3 $86,800; 4 $96,400; 5 $104,150; 6 $111,850; 7 $119,550; 8 $127,250. | — |
| Down Payment AssistanceWest Jordan · Salt Lake | 100% of area median incomeIncome range $64,700-$122,000 by household size; up to ~100% AMI for Salt Lake County HUD limits. | — |
| Eagle Mountain City Mortgage Assistance Program (MAP)Eagle Mountain · Utah | 120% of area median incomeCombined income of applicant + all household members over 18 at/below 120% Utah County median (HUD annual). 120% AMI by size: 1 $100,200; 2 $114,400; 3 $128,760; 4 $143,040; 5 $154,560; 6 $165,960; 7 $177,480; 8 $188,880. | — |
| FHA/VA MortgageStatewide · Statewide | $162,500Household income at or below $162,500 statewide for FHA/VA Mortgage product. | — |
| First Time Homebuyer ProgramLogan|Brigham City · Cache|Box Elder|Rich | 80% of area median incomeUp to 80% AMI for service-area HUD limits; $46,450 (1-person) to $87,550 (8-person household). | — |
| First-Time Homebuyer GrantStatewide · Statewide | See programNo UDVMA income cap; underlying first-mortgage program limits apply | — |
| First-time Homebuyer Law Enforcement Officer GrantStatewide · Statewide | $166,100County-tiered limits inherited from underlying UHC first-mortgage product: $116,100-$166,100 (FirstHome), $80,080-$134,880 (HFA Advantage), $162,500 (FHA/VA Mortgage). | $772,400 |
| FirstHomeStatewide · Statewide | $166,100County-tiered: $116,100 (rural counties) to $166,100 (Salt Lake/Davis/Summit/Utah/Wasatch/Weber/Morgan/Tooele); see UHC Income & Purchase Price Limits page for current chart. | $772,400 |
| HFA AdvantageStatewide · Statewide | 80% of area median incomeCounty-tiered at 80% Area Median Income: $80,080 (rural counties) to $134,880 (Salt Lake/Davis/Summit/Utah/Wasatch/Weber/Morgan/Tooele). See UHC chart. | — |
| Home Ownership Assistance programDavis County · Davis | 80% of area median incomeAt or below 80% AMI for Davis County HUD limits; $59,600 (1-person) to $112,350 (8-person household). | $500,000 |
| Home Purchase Plus ProgramProvo · Utah | 80% of area median incomeUp to 80% AMI for Utah County HUD limits; $55,550 (1-person) to $104,700 (8-person household). | $551,000 |
| HomeChoice ProgramLogan|Brigham City|Tremonton · Cache|Box Elder|Rich | 80% of area median incomeUp to 80% AMI for NNHC service area; $18,350 (1-person, low) to $124,950 (8-person household, high) per HUD income limits. | — |
| Layton City's Home Down Payment AssistanceLayton · Davis | See programTypically <=80% AMI for Davis County HUD limits (subject to annual program update). | — |
| Loan-to-Own ProgramProvo · Utah | 80% of area median incomeUp to 80% AMI for Utah County HUD limits; $55,550-$104,700 by household size. | $551,000 |
| Own in Ogden - DPA ProgramOgden · Weber | 80% of area median incomeUp to 80% AMI for Weber County HUD limits; $67,500 (1-person) to $127,250 (8-person household). | $467,000 |
| Own in Salt Lake County Down Payment AssistanceSalt Lake County | 80% of area median incomeHousehold income at/below 80% AMI for Salt Lake County, adjusted by household size, per HUD limits updated annually. Per CDCU table (80% AMI, April 2022): 4-person $81,900. | $522,500 |
| Own in Taylorsville Down Payment AssistanceTaylorsville · Salt Lake County | 80% of area median incomeHousehold income at/below 80% AMI for Salt Lake County, adjusted by household size. Per CDCU table (80% AMI, April 2022): 4-person $81,900. | $522,500 |
| Salt Lake City Plus (SLC+) Down Payment AssistanceSalt Lake City · Salt Lake County | 120% of area median incomeHousehold income at/below 120% of Salt Lake County AMI, adjusted by household size. Per CDCU SLC+ table (120% AMI): 4-person $122,900. | $520,000 |
| South Jordan RDA Down Payment Assistance ProgramSouth Jordan · Salt Lake | 80% of area median incomeCombined family income (applicant + members over 18) no more than 80% Salt Lake County median. Limits effective thru 6/30/2023 by size: 1 $57,350; 2 $65,550; 3 $73,750; 4 $81,900; 5 $88,500; 6 $95,050; 7 $101,600; 8 $108,150. | — |
| USDA Section 502 Direct Single Family Housing Loan (Utah)Statewide · Statewide | See programAdjusted income at/below the applicable area low-income limit; very-low- and low-income tiers apply. Limits vary by county/household size per USDA Direct Loan income-limit map. | — |
| Utah Housing Down Payment Assistance Second Mortgage | $162,500Set by the accompanying first mortgage. FirstHome uses county household-income limits (e.g., Salt Lake County $122,700 for 1-2 / $141,100 for 3+). FHA/VA and Freddie Mac HFA Advantage use a $162,500 qualifying-income limit with no purchase price limit. | $772,400 |
| Veteran GrantStatewide · Statewide | $166,100County-tiered limits inherited from underlying UHC first-mortgage product: $116,100-$166,100 (FirstHome), $80,080-$134,880 (HFA Advantage), $162,500 (FHA/VA Mortgage). | $772,400 |
| Washington County Realtors REACH Foundation Open Door GrantSt. George · Washington | See programNo published income limit; targeted at first-time and low-to-moderate-income buyers, but no specific AMI threshold stated. | — |
| West Jordan Down Payment Assistance ProgramWest Jordan · Salt Lake | $73,750FY2021 income limits by family size: 1 $51,650; 2 $59,000; 3 $66,400; 4 $73,750; 5 $79,650; 6 $85,550; 7 $91,450; 8 $97,350. Income of all members over 16 counted. | — |
Questions, answered
What are the income limits for down payment assistance in Utah?
27 down payment assistance programs in Utah publish an income limit, a purchase price cap, or both. 14 express the limit as a percentage of the area median income for the county where the home is, and 21 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
90-second match
Not sure which you qualify for?
Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.
Find my programs