Between the jargon, the paperwork, and the sticker shock, buying your first home can feel like a lot. But you don’t need a million-dollar income or six-figure savings to become a homeowner in Utah. You just need someone in your corner!
At Utah First, we work hand-in-hand with the organizations behind Utah home grants, down payment assistance, and affordable loan programs to help you catch every break you qualify for.
We’ll get you in the door (literally) to homeownership with fewer out-of-pocket costs and lower rates backed by expert, local help!
No matter where you live in Utah, these statewide programs pack a serious punch and bring your homeownership goals way closer to reality.
$20K loan. 0% interest. No payments.
As a first-time homebuyer in Utah, use it for your down payment, rate buydown, or closing costs on a new home under $450K. Pay it back only when you sell or refinance!
Can’t quite swing the upfront costs? This 30-year fixed second loan covers up to 6% of your mortgage for your down payment or closing costs.
$2,500 in cash is available for Utah veterans (or recently separated service members) buying their first home. No strings or repayment necessary. Thank you for your service!
Up to $25,000 in forgivable, interest-free funds for Utah officers buying near where they serve. Use it for down payment, closing costs, or a rate buydown.
It’s Utah’s way of having your back while you protect ours!
As one of the main first-time homebuyer programs in Utah, this program gets you lower rates and a forgivable second mortgage to help with down payment or closing costs.
On top of statewide support, there are tons of local programs in cities and counties made to help first-time homebuyers in Utah get across the finish line.
From grants for new homeowners to Utah first-time homebuyer programs with no down payment, here’s a quick look at what might be available near you:
The big guys offer help, too. These federal programs are available to Utahns and work great with our local and state first-time homebuyer programs for Utah.
Got a solid job but not-so-solid credit or savings? FHA loans are government-backed and designed for first-timers with lower credit scores and smaller down payments (as low as 3.5%). They’re friendly, flexible, and surprisingly doable!
If you’re a teacher, EMT, firefighter, or police officer, this HUD program cuts the list price of eligible homes in half for qualifying areas to thank you for the work you do!
As an eligible veteran, active-duty service member, or surviving spouse, a VA loan helps you get the home you want with benefits you’ve earned many times over, like zero down, competitive rates, and no PMI.
Live in a rural or eligible suburban area? USDA loans offer 100% financing with no down payment and low interest rates.
This program offers low rates, no down payment, and no PMI for Native American veterans buying, building, or improving a home on federal trust land. It’s a powerful, direct path to homeownership with VA backing.
Great for low-to-moderate income buyers, especially those with limited savings. You’ll only need 3% down, and you can even use gift funds for the whole thing.
These are a strong option for first-time buyers with steady income but not a ton in the bank. You only need 3% down. Flexible sources of income are accepted!
You bring 3%, and Fannie covers the rest. This is one of the lowest down payment options for conventional loans. It’s perfect for first-time buyers with good credit who want to skip FHA.
You’re closer to owning a home than you think, and you don’t have to figure it out alone. We’ll help you understand your options, apply for the right Utah first-time homebuyer program, and make this whole “buying a house” thing way less overwhelming.
Let’s find the path that gets you home!
For official eligibility and current program funding information, head over to the Utah Housing Corporation’s site.