Utah Home Buyer Blog
Expert tips, market updates, and first-time buyer guides for Utah.
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How to Choose a Real Estate Agent as a First-Time Buyer in Utah
The questions to ask, how buyer agreements and agent pay work since 2024, how to check a Utah license, and the red flags to watch for when you pick your first buyer's agent.
Utah First-Time Home Buyer Requirements: Credit, Income and Down Payment (2026)
What you actually need to buy your first home in Utah: credit score minimums by loan and program, income limits, down payment, debt-to-income, and the first-time buyer definition.
Can You Buy a House in Utah With No Money Down? (2026)
Yes, through three routes: a VA loan, a USDA loan, or an FHA or conventional loan where down payment assistance covers the down payment. Here is who qualifies for each, and the cash you will still need.
Down Payment on a $300K House in Utah (and How to Cover It)
The minimum down payment on a $300,000 home in Utah is about $10,500 with FHA, plus closing costs. Here is the full cash-to-close math, the income you need, and how down payment assistance can cover most of it.
How Much House Can I Afford on $70K in Utah?
On a $70,000 salary in Utah, a lender will typically approve a home up to about $336,000, and a comfortable budget lands closer to $265,000. Here is the math by county, and how down payment assistance stretches it.
What Salary Do You Need to Buy a $500K House in Utah?
At today's rates, most Utah buyers need $100,000 to $130,000 in household income for a $500,000 home. Here is the full monthly payment, the salary math, and where down payment assistance actually lowers the number.
How Much House Can You Afford in Utah? (2026)
A clear, worked guide to home affordability in Utah: the 28/36 rule, what PITI really costs, two real income examples, and how down payment assistance changes your buying power.
USDA Loans in Utah 2026: How to Buy with Zero Down Outside the Wasatch Front
USDA loans let income-eligible Utah buyers purchase with zero down outside the Wasatch Front urban core. Here is how the fees, income limits, and eligible-area rules actually work in 2026.
Conventional Loans in Utah 2026: Your Complete Guide
Conventional loans are Utah's most flexible mortgage: 3% down with Conventional 97, HomeReady, or Home Possible, PMI that drops at 80% LTV, and an $832,750 loan limit. Here's your complete 2026 guide.
Conventional vs FHA Loans in Utah: A Complete 2026 Comparison
Conventional or FHA? Utah buyers face this choice every day. A full comparison of credit scores, down payments, MIP vs PMI, loan limits, property types, and which one actually saves you money.
Utah Closing Costs 2026: How Much You'll Actually Pay
What Salt Lake County, Utah County, and Davis County buyers actually pay at closing in 2026, beyond the averages, plus how to lower your costs. Free consultation with a local expert.
Utah Housing Corporation Programs: Which One Is Right for You? (2026)
UHC has three active loan programs right now: FirstHome, FHA/VA Mortgage and HFA Advantage, each with up to $27,500 in down payment assistance. Here's what separates them, and what happened to HomeAgain, Score and NoMI.
Can You Combine Utah Down Payment Assistance Programs? (2026)
Most Utah buyers end up using one down payment assistance program, not several. Here is why combining is rare, which single programs are largest, and the one pairing the state actually documents.
HUD-Approved Homebuyer Education Courses in Utah: What You Need to Know
A homebuyer education course is required for almost every DPA program in Utah. Here's what to expect, how long it takes, and which courses count.
Davis County Down Payment Assistance: Up to $50,000 at 1% (2026)
Davis County lends up to $50,000 at 1% interest with no monthly payments, repaid at sale or refinance. Here is who qualifies, how the money can be used, and how the 2026 funding cycle works.
VA Loans in Utah: What Nobody Tells You Before You Apply (2026)
VA loans: no down payment, no PMI in Utah. But appraisals, funding fees, and seller perception all affect your offer. Here's what to know in 2026.
FHA Loans in Utah 2026: The #1 Choice for First-Time Buyers
FHA loans are Utah's most popular first-time buyer mortgage. Here is why, what they really cost, and how pairing one with a single down payment assistance program keeps your cash to close low.
First Time Home Buyer Guide 2026
Everything you need to know about buying your first home in Utah in 2026. From scheduling a free consultation to getting your keys, here's a step-by-step guide to navigating the homebuying process with confidence.