Utah Down Payment Assistance Programs
A complete overview of Utah down payment assistance programs available to first-time homebuyers, including Utah Housing, SB240, and other local grants. Learn what programs exist, who qualifies, and how to apply.
Utah Down Payment Assistance Programs
Utah has several programs designed to help first-time homebuyers cover their down payment and closing costs.
Utah Housing Corporation (UHC)
Utah Housing offers down payment and closing cost assistance through a second mortgage paired with a first mortgage. Programs include:
- FirstHome Loan – for first-time buyers
- HomeAgain Loan – for repeat buyers
- Score Loan – for buyers with lower credit scores
SB240 / Utah First-Time Homebuyer Grant
SB240 established a state-funded grant program specifically for first-time homebuyers in Utah. Income limits and availability may vary.
Who Qualifies?
- First-time homebuyers (or those who haven't owned in 3 years)
- Income within program limits (varies by county and household size)
- Home price within program limits
- Must occupy the home as primary residence
How to Apply
Work with an approved lender who participates in the Utah Housing program. Your lender will help you layer assistance programs together.
Tips
- Apply early — some programs have limited funding
- Ask your lender about ALL available programs in your county
- Programs can sometimes be combined for maximum assistance
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