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South Jordan RDA Down Payment Assistance Program

South Jordan City Redevelopment Agency (RDA) · South Jordan, Utah

Last verified
See what you qualify forOfficial program site →
Assistance

$20,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Forgivable

Forgiven after 10 years

What is South Jordan RDA Down Payment Assistance Program?

South Jordan RDA Down Payment Assistance Program is a forgivable loan for homebuyers in South Jordan, Utah, administered by South Jordan City Redevelopment Agency (RDA).

  • South Jordan City's RDA offers down payment assistance to low- and moderate-income households purchasing within city limits. Assistance is the lesser of 7.5% of purchase price or $20,000, provided as a loan that converts to a grant if all terms are met over a 10-year term. Prorated repayment applies if the home is sold during the term; full repayment if rented.
  • Up to lesser of 7.5% of purchase price or $20,000.
  • 0% interest.
  • No monthly payments.
  • Converts to grant after 10 years.

How much assistance does it provide?

South Jordan RDA Down Payment Assistance Program offers up to $20,000 in assistance.

  • Award tiers: Assistance = lesser of 7.5% of purchase price or $20,000.
  • Buyer contribution: Homebuyer must pay at least $1,000 down payment; max $20,000 of own funds may be contributed.
  • Amounts are the program's published maximums, not an offer — South Jordan City Redevelopment Agency (RDA) determines any individual award.

Do you have to pay it back?

South Jordan RDA Down Payment Assistance Program is forgiven after 10 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Sale during 10-yr term: prorated repayment. Lease/rent/sublet during term: full repayment. Sale/rental within first two years: additional $5,000 penalty.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

South Jordan RDA Down Payment Assistance Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • A minimum 650 credit score
  • A completed homebuyer education course, through Home Ownership Class certificate (or receipt that course has begun) required with application.
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Loan term: 10-year term; loan converts to grant if terms met.. Present ownership interest disqualifies; income <=80% SL County AMI; min mid-credit 650; housing ratio <=33% (650-699) or <=35% (700+); total DTI <=43% (650-699) or <=45% (700+); min $1,000 own down payment; home ownership class. Income table labeled 'Effective Thru 6/30/2023' - confirm current limits and active funding. Could not confirm: max purchase price, property-type eligibility.

The program excludes

  • Households above 80% 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?

South Jordan RDA Down Payment Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

  • Combined 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.
  • 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?

South Jordan RDA Down Payment Assistance Program can be used for Single Family.

Where does it apply?

South Jordan RDA Down Payment Assistance Program serves buyers purchasing in South Jordan, Utah.

How do you apply?

Applications for South Jordan RDA Down Payment Assistance Program go through South Jordan City Redevelopment Agency (RDA), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Home Ownership Class certificate (or receipt that course has begun) required with application..

  2. Contact South Jordan City Redevelopment Agency (RDA) 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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