Down payment assistance

Down payment assistance in Utah

1 program can help buyers in Utah with a down payment and closing costs. Most are for first-time buyers with moderate incomes and are used with a participating lender.

Check which programs fit your situationDown payment assistance finder

Utah Housing DPA Second (Traditional and Deferred)

Open · Repayable or deferred loan

Traditional: up to 6% of the first mortgage loan, not to exceed $27,500. Deferred: 3.5% of the first mortgage loan, not to exceed $27,500

A second mortgage paired with a Utah Housing first mortgage. The Traditional DPA is a 30-year loan repaid monthly at 1% above the first mortgage rate (not above 8%, not below the first mortgage rate). The Deferred DPA is a 30-year second at 3.5% deferred simple interest with no monthly payments. Neither is forgiven.

Who qualifies: First-time and repeat buyers (the FirstHome first mortgage is first-time only). Must qualify for a Utah Housing FHA, VA or Freddie Mac first mortgage; income and price limits vary by first mortgage program. Utah Housing says credit scores above 620 are permitted, with higher minimums on some programs.

Utah Housing Corporation · Agency website → · Checked 2026-09-30

How assistance usually works

Most programs are a second loan with no monthly payment that is forgiven over time or repaid when you sell or refinance, and some are grants. You usually need a program first mortgage from a participating lender, a homebuyer education course and income under the program’s limit. Apply before you make offers, so your pre-approval reflects the help.

More for Utah

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Programs change often; confirm the details with the agency.