First-Time Home Buyer Programs in Provo, Utah
Provo's Home Purchase Plus program is the headline, up to $60,000 at 0% interest, deferred until you sell or refinance, for any home within Provo city limits. That is the largest city down payment assistance program in Utah County, and on most Provo purchases it covers the down payment and closing costs on its own.
Programs Available for Provo Buyers
What Provo buyers can qualify for, and what each one actually requires
Provo Home Purchase Plus
0% interest, deferred until sale, Provo city limits only
Utah County Loan to Own
0% interest, up to 50% forgivable; excludes Fairfield, Highland, Woodland Hills
UHC FirstHome / FHA-VA Mortgage
FirstHome for first-time buyers (660+); FHA/VA Mortgage for repeat buyers (620+). HomeAgain currently suspended.
FHA / VA / Conventional
FHA, VA, and conventional all compatible with DPA
Most buyers use one of these, not several. Program rules, lender overlays, and limits on how many subordinate liens a purchase can carry usually decide which single program fits. We figure out which one that is before you write an offer.
Why First-Time Buyers Pick Provo
Provo is Utah County's most active first-time buyer market, driven by BYU-area demand and a growing tech corridor along University Parkway. Home prices sit below the Wasatch Front average, and Provo's own city DPA (up to $60,000) is one of the largest local programs in the state.
*Results vary based on income qualification, credit score, and program availability. Current Provo metro pricing is shown in the Realtor.com Metro Market Data section below.
Provo Neighborhoods & Areas
All Provo neighborhoods are eligible for city and county DPA programs
How to Apply
Check Eligibility
Confirm first-time buyer status, income limits (80–120% AMI), and credit score
Homebuyer Education
Complete a HUD-approved course, required for most DPA programs
Get Pre-Approved
Work with a UHC-approved lender experienced in Provo city programs
Find Your Home
Search for homes in Provo within the program's purchase price limits
Apply for DPA
Submit your Provo city and/or Utah County DPA application with your lender
Close on Your Home
Complete your purchase with all assistance applied at closing
Living in Provo
Neighborhoods, parks, and schools to know as you search for your first home
Featured Neighborhoods
- Downtown Provo
Revitalized historic core with a walkable restaurant row, arts scene, and easy access to BYU and UVU.
- Rock Canyon
East bench foothills with direct trail access into the Wasatch, stunning views and family-friendly streets.
- Joaquin
Central Provo, affordable and convenient, popular with young families and first-time buyers.
- Edgemont
South Provo neighborhood with established family homes, newer construction, and excellent schools nearby.
- Riverbottoms
Desirable west-side neighborhood along the Provo River with parks, trails, and a relaxed atmosphere.
Parks & Outdoor Spaces
- Rock Canyon Park
Trailhead leading into the Wasatch, world-class hiking, rock climbing, and winter snowshoeing minutes from home.
- Provo Canyon
25-minute drive to Sundance Resort, Bridal Veil Falls, Timpanogos Cave, and dozens of hiking trails.
- Utah Lake State Park
96,000-acre freshwater lake. Boating, fishing, paddleboarding, and birdwatching just west of town.
- Riverside Park
Large community park along the Provo River with sports fields, pavilions, and riverside walking paths.
- Hobble Creek Canyon
Quick scenic escape southeast of Provo. Camping, fishing, mountain biking, and fall foliage.
Schools & Education
- Provo City School District
Serves the city with 16 elementaries, 4 junior highs, and 2 high schools plus several charter options.
- Timpview High School
East-side school known for strong academics, AP programs, and competitive athletics.
- Provo High School
Central Provo, offers an IB (International Baccalaureate) program, one of few in Utah County.
- Dixon Middle School
Highly regarded middle school with an active parent community and strong academics.
- Wasatch Elementary
Beloved east-side neighborhood school consistently rated among the best in the district.
✦ Real Client Stories
What Our Clients Say
"Nick was awesome!"
"Nick was awesome!"
"Nickolas was really helpful, understanding my schedule and my time. Helping me find what was good for family and not judging when I turned down good opportunities."
"Nickolas went above and beyond for me. My case was really hard he did everything he could and worked day, nights and weekends to make sure my dream of being a homeowner came true."
Free resource
Buying in Provo? Take the guide with you
How Utah down payment help works, how each program gets repaid, and the ten weeks from offer to keys, in one free PDF.
- The full buying process, start to finish
- What down payment help exists in Utah, and how each one gets repaid
- FHA vs VA vs USDA vs conventional, side by side
- The mistakes that cost first-time buyers the most
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Provo Home Purchase Plus: do your numbers qualify?
Provo's $60K Home Purchase Plus is the largest city-specific DPA in Utah County, but it requires a UHC-approved lender and the HUD education course. We walk buyers through both. Usually takes about 15 minutes to get your real numbers.
Official Sources
Verify current program funding, dollar amounts, and eligibility before relying on them in a transaction. Program details can change annually.