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Eagle Mountain City Mortgage Assistance Program (MAP)

Eagle Mountain City (Redevelopment Agency) · Eagle Mountain, Utah

Last verified
See what you qualify forOfficial program site →
Assistance

$25,000

The maximum the program publishes — not an offer

Income limit

120% AMI

Of area median income; varies by county and household size

Repayment

Forgivable

Forgiven after 15 years

What is Eagle Mountain City Mortgage Assistance Program (MAP)?

Eagle Mountain City Mortgage Assistance Program (MAP) is a forgivable loan for homebuyers in Eagle Mountain, Utah, administered by Eagle Mountain City (Redevelopment Agency).

  • Eagle Mountain City's Mortgage Assistance Program (MAP) helps first-time homebuyers purchase a primary residence within city limits. Qualified buyers receive up to $25,000 as a 0% interest, no-monthly-payment, second-position forgivable loan funded by the City's RDA. Forgiven over 3-15 years depending on the applicant's priority tier (public employees of participating entities forgiven fastest). Applications accepted through the 15th of each month and prioritized by employer tier then by lower income relative to AMI.
  • Up to $25,000 forgivable second.
  • 0% interest.
  • No monthly payments.
  • Forgiven over 3-15 years based on tier.

How much assistance does it provide?

Eagle Mountain City Mortgage Assistance Program (MAP) offers up to $25,000 in assistance.

  • Award tiers: Tier 1 (employees of Eagle Mountain City, Alpine School District, Utah County, Unified Fire Authority, Central Utah Water Conservancy District): 3-5 yrs. Tier 2 (other public employees, educators, law enforcement, fire, medical, veterans, active-duty): 5-10 yrs. Tier 3 (general): 10-15 yrs. Lower income relative to AMI prioritized within tier.
  • Buyer contribution: Applicant must contribute at least $1,000 toward the down payment.
  • Amounts are the program's published maximums, not an offer — Eagle Mountain City (Redevelopment Agency) determines any individual award.

Do you have to pay it back?

Eagle Mountain City Mortgage Assistance Program (MAP) is forgiven after 15 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Selling/renting during the term requires repayment (prorated if eligible); sale/rental within first two years adds a $2,000 penalty.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Eagle Mountain City Mortgage Assistance Program (MAP) is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A minimum 650 credit score
  • A completed homebuyer education course, through Free Fannie Mae / Freddie Mac (CreditSmart) homebuyer education encouraged; Home Ownership Class certificate before closing.
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Loan term: 15-year maximum term; prorated forgiveness in full-year increments; second-position loan.. Income at/below 120% Utah County AMI; first-time buyer (cannot already own); >=$1,000 own contribution; fixed-rate mortgage from traditional lender; education certificate before closing. Without AUS approval: min 650 FICO, housing ratio <=47%, total DTI <=50% (may be waived with AUS approval). Applications due by the 15th monthly; funds depend on RDA housing funds. Veterans/active-duty and several professions get Tier 2 priority (flagged) but program is open to all qualified applicants. Could not confirm: max purchase price, condo/townhome/manufactured eligibility.

The program excludes

  • Households above 120% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Eagle Mountain City Mortgage Assistance Program (MAP) limits household income to 120% of the area median income, which varies by county and household size.

  • Combined 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.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Eagle Mountain City Mortgage Assistance Program (MAP) can be used for Single Family.

Is there eligibility for specific groups?

Eagle Mountain City Mortgage Assistance Program (MAP) names veterans, active-duty service members, educators, law enforcement officers, firefighters, and healthcare workers among the groups it serves.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Eagle Mountain City Mortgage Assistance Program (MAP) serves buyers purchasing in Eagle Mountain, Utah.

How do you apply?

Applications for Eagle Mountain City Mortgage Assistance Program (MAP) go through Eagle Mountain City (Redevelopment Agency), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Free Fannie Mae / Freddie Mac (CreditSmart) homebuyer education encouraged; Home Ownership Class certificate before closing..

  2. Contact Eagle Mountain City (Redevelopment Agency) to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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