✦ Up to $30,000+ Available
Utah Down Payment Assistance:
Your Complete 2026 Guide
The down payment stops more Utah buyers than anything else. Most don't realize how stackable the help is — between UHC's percentage-based assistance, county grants, and the $20K SB240 new construction program, some buyers have combined over $30,000 in total assistance on a single purchase.
Utah DPA Programs at a Glance
Compare Utah's major down payment assistance programs side by side
| Program | Amount | Type | Forgiveness | Coverage |
|---|---|---|---|---|
| UHC DPA | 6% of loan | Second Mortgage | 7 years (option) | Statewide |
| SB240 Grant | $20,000 | Grant | No repayment | Statewide |
| Salt Lake County | $15,000 | Grant | 5 years | Salt Lake Co. |
| Utah County | $10,000 | Deferred | None | Utah Co. |
| Davis County | $10,000 | Forgivable | 5 years | Davis Co. |
| Weber County | $7,500 | Deferred | Partial | Weber Co. |
Detailed Program Information
Utah Housing Corporation DPA
Up to 6% of loan amountSecond Mortgage
After 7 years (with higher rate option)
The UHC DPA is the most widely used program in Utah. It can be structured as a deferred second mortgage (0% interest, due when you sell/refinance) or as a forgivable loan with a slightly higher first mortgage rate. The forgiveness option releases you from repayment after staying in the home 7 years.
Requirements
- ◆Must use with UHC first mortgage
- ◆Income limits apply by county
- ◆Purchase price limits apply
- ◆Primary residence only
- ◆Homebuyer education required
Pros
Cons
SB240 New Construction Grant
Up to $20,000Grant (no repayment)
N/A — True grant
Utah's newest and most generous assistance program provides up to $20,000 for buyers purchasing newly constructed homes. Created to address Utah's housing shortage, this is a true grant that never requires repayment. Can be combined with other DPA programs for maximum benefit.
Requirements
- ◆New construction only
- ◆Income limits apply
- ◆Primary residence requirement
- ◆Must be first-time buyer or not owned in 3 years
- ◆Builder must be registered with program
Pros
Cons
Salt Lake County DPA Grant
Up to $15,000Forgivable Grant
After 5 years residency
Salt Lake County offers one of the most generous local DPA programs in Utah. The grant is forgivable after 5 years of continuous residency, meaning you owe nothing if you stay in the home. Can be combined with UHC programs for maximum assistance.
Requirements
- ◆Must purchase in Salt Lake County
- ◆Income at or below 80% AMI
- ◆First-time buyer (no ownership in 3 years)
- ◆Homebuyer education required
- ◆Must occupy as primary residence
Pros
Cons
Utah County HOME Program
Up to $10,000Deferred Loan
No — Due at sale/refinance
Utah County's HOME program provides deferred-payment assistance for down payment and closing costs. The loan carries 0% interest and no monthly payments, but is due in full when you sell, refinance, or no longer use as primary residence.
Requirements
- ◆Purchase in Utah County
- ◆Income limits apply (varies by family size)
- ◆First-time buyer status
- ◆Property must meet standards
- ◆Homebuyer counseling required
Pros
Cons
Davis County DPA
Up to $10,000Forgivable Loan
After 5 years
Davis County's program provides forgivable down payment assistance for qualifying buyers. If you remain in the home for 5 years, the loan is completely forgiven. Partial repayment required if sold within 5 years on a pro-rated basis.
Requirements
- ◆Purchase in Davis County
- ◆Income limits based on AMI
- ◆First-time buyer or displaced homemaker
- ◆Primary residence requirement
- ◆Complete homebuyer education
Pros
Cons
Weber County DPA
Up to $7,500Deferred Loan
Partial forgiveness options
Weber County provides down payment assistance through federal HOME funds. The program offers a deferred loan with potential partial forgiveness based on length of residency. Helps buyers in the Ogden area achieve homeownership.
Requirements
- ◆Purchase in Weber County
- ◆Income at or below 80% AMI
- ◆First-time homebuyer
- ◆Complete HUD-approved counseling
- ◆Property inspection required
Pros
Cons
Maximize Your Assistance: Program Stacking
The real power of Utah's DPA programs is the ability to combine or "stack" them together. Here are real scenarios showing how buyers can maximize their assistance.
New Construction — Salt Lake County
Note: Maximum assistance scenario for new build purchases. Requires meeting all program income limits and using a participating builder.
Existing Home — Utah County
Note: Strong assistance package for existing homes. UHC provides percentage-based help while the county program adds a fixed amount.
Davis County Purchase
Note: Some county programs work with non-UHC loans. Check current program guidelines for compatibility with your loan type.
✦ 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."
Find Out How Much Assistance You Qualify For
Most buyers only know about one or two programs. We run through all of them in a free 15-minute consultation — UHC, county grants, SB240. Most people leave with a number higher than they expected.
Down Payment Assistance FAQs
Common questions about Utah DPA programs