Utah County Homebuyer Assistance: Up to $10,000 at 0% Interest
Utah County's HOME program lets you borrow up to $10,000 for your down payment at 0% interest. No monthly payments. You repay it when you sell or refinance. Available countywide, so it doesn't matter if you're buying in Provo, Orem, Lehi, or somewhere smaller.
Program Benefits
Zero Interest
Your second mortgage carries 0% interest, so you only repay the original amount borrowed.
No Monthly Payment
Payments are deferred until you sell, refinance, or pay off your first mortgage.
Stackable
Combine with UHC programs and other assistance for maximum benefit.
Flexible Use
Use for down payment, closing costs, or a combination of both.
Eligibility Requirements
Buyer Requirements
- ✓First-time homebuyer (no ownership in past 3 years)
- ✓Income at or below 80% Area Median Income
- ✓Complete HUD-approved homebuyer education
- ✓Occupy as primary residence
- ✓Meet minimum credit requirements
Property Requirements
- ✓Located within Utah County
- ✓Single-family, townhome, or approved condo
- ✓Must meet HUD property standards
- ✓Pass required property inspection
- ✓Purchase price within limits
Loan Requirements
- ✓Obtain first mortgage from approved lender
- ✓Compatible with FHA, VA, USDA, Conventional
- ✓Works with UHC loans
- ✓Minimum buyer contribution may apply
- ✓Total LTV limits may apply
Income Limits (80% AMI)
Maximum household income to qualify for Utah County HOME program
*Income limits updated annually. Contact us for current limits.
Eligible Cities & Areas
Properties in any Utah County city or community qualify
How to Apply
Verify Eligibility
Check income limits and first-time buyer status
Complete Education
Take HUD-approved homebuyer education course
Get Pre-Approved
Work with lender familiar with HOME program
Find Your Home
Search in Utah County within price limits
Submit Application
Apply through Utah County Housing Authority
Close & Move In
Complete purchase with DPA applied
Exploring Utah County
Cities, parks, and schools across Silicon Slopes and beyond — hover a pin to learn more
Featured Cities
- Provo
County seat and BYU home — vibrant arts, dining, and culture.
- Orem
UVU city with great shopping, tech companies, and family amenities.
- Lehi
Silicon Slopes epicenter with explosive growth and modern housing.
- American Fork
Canyon gateway community with strong civic pride.
- Eagle Mountain
Fastest-growing city in Utah — affordable and family-focused.
- Saratoga Springs
Lakeside city on Utah Lake with newer developments and low taxes.
Parks & Outdoors
- Utah Lake State Park
Utah's largest freshwater lake — perfect for boating and fishing.
- Rock Canyon Park
Provo's iconic canyon trailhead into the stunning Wasatch.
- Provo River Parkway
15-mile paved trail from Vivian Park to Utah Lake.
- Timpanogos Cave Nat'l Monument
Breathtaking cave tours inside the Wasatch Mountains.
- Slate Canyon Park
Popular Provo foothills trail system for all skill levels.
Schools & Education
- Brigham Young University
Major research university and top employer in the valley.
- Utah Valley University
Fast-growing public university in Orem serving 40,000+ students.
- Provo High School
Historic school with award-winning programs and community spirit.
- Timpanogos High School
Orem's well-rounded high school with strong arts and STEM.
- Mountain View High School
Orem school known for athletics and competitive academics.
✦ Real Client Stories
What Our Clients Say
"Nick was awesome!"
"Nick was awesome!"
"Nickolas was really helpful, understanding my schedule and my time."
"Nickolas went above and beyond for me. Would easily recommend him."
Ready to Buy a Home in Utah County?
Utah County buyers often qualify for both the HOME program and UHC statewide DPA at the same time. Takes about 15 minutes to find out which programs fit your situation.