Utah County Homebuyer Grants 2026: Up to $40,000 Loan to Own Plus $10,000 HOME
Utah County runs two distinct DPA programs. Loan to Own offers up to $40,000 at 0% interest with 50% forgiven after 10 years of primary residency, available in most Utah County cities (excludes Fairfield, Highland, and Woodland Hills). The HOME program adds up to $10,000 as a 0% interest deferred loan repaid at sale or refinance. Both can stack with UHC statewide DPA on the same purchase.
Buying Your First Home in Utah County
Utah County is the fastest-growing county in the state and the heart of Silicon SlopesLehi, American Fork, and Pleasant Grove anchor a tech corridor that's reshaping where first-time buyers can realistically afford to buy. The county runs two separate down payment assistance programs: Loan to Own (up to $40,000 at 0% interest, 50% forgivable after 10 years of primary residency) and the HOME program (up to $10,000 at 0% interest, deferred until sale or refinance). Loan to Own is administered by the Housing Authority of Utah County; the HOME program is administered through participating city offices.
Three buyer profiles dominate Utah County: Silicon Slopes tech workers looking in Lehi, Saratoga Springs, and Eagle Mountain (often with stronger incomes that bump them up against AMI limits, worth running the eligibility math early); BYU-area buyers, in Provo and Orem, who want to stay close to campus, family, or a religious community; and South County buyers in Spanish Fork, Salem, and Payson chasing the most affordable single-family homes within commuting distance of the I-15 corridor.
Inventory in Utah County moves faster than any other Wasatch Front county. Both DPA programs require you to be under contract before applying, which means having your homebuyer education certificate, lender pre-approval, and program paperwork ready in advance is the difference between qualifying and missing out. Loan to Own and the HOME program both stack with UHC statewide DPA (FirstHome, Score, FHA/VA Mortgage, HFA Advantage, NoMI) for combined assistance that can exceed $60,000 on the right purchase.
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
- ✓Loan to Own: 650+ credit and $1,000 minimum buyer contribution
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)
If your household is at or below 80% AMI for Utah County, you qualify. Here are the exact numbers.
*Income limits updated annually. Contact us for current limits.
2026 Utah County Market Snapshot
Utah County is the state's fastest-growing market, driven by Silicon Slopes tech jobs in Lehi and Saratoga Springs. Loan to Own ($40K) plus the HOME program ($10K) plus UHC's statewide DPA give buyers a meaningful stacking opportunity against rising prices.
*Income limits vary by household size and are updated annually by HUD. Contact us to confirm current limits for your situation.
Eligible Cities & Areas
The HOME program covers every Utah County city. Loan to Own covers all Utah County cities EXCEPT Fairfield, Highland, and Woodland Hills, buyers in those three cities can still use the HOME program and UHC statewide DPA.
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.
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$40K Loan to Own + Provo + UHC: which combination fits your address?
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.