DO YOU QUALIFY?
UTAH INCOME LIMITS
BY PROGRAM
Every Utah first-time buyer assistance program has income limits — and they all use different numbers. This page puts them in one place so you can check all of them at once without clicking through six government websites.
✦ Important Note
Why Income Limits Matter More Than You Think
Income limits exist to direct assistance toward buyers who need it most. The tricky part: most programs count ALL household income — not just the borrowers on the loan. If you're married and your spouse works, both incomes count even if only one person is on the mortgage. This trips up a lot of buyers who think they qualify.
The other thing to know: exceeding the income limit for one program doesn't mean you're out. It usually means you move to the next tier — FHA instead of UHC, or HomeAgain instead of FirstHome. Understanding the decision tree saves time and frustration.
✦ All Programs
Master Income Limits Table: All Utah Programs 2026
| Program | Administered By | 1–2 Person Limit | 3+ Person Limit | Notes |
|---|---|---|---|---|
| UHC FirstHome Loan | Utah Housing Corp | ~$98,500 (SL Co.) | ~$113,000 (SL Co.) | First-time buyers; varies by county |
| UHC HomeAgain Loan | Utah Housing Corp | Higher / flexible | Higher / flexible | Repeat buyers; ask lender for county limits |
| UHC Score Loan | Utah Housing Corp | ~$98,500 (SL Co.) | ~$113,000 (SL Co.) | 620–659 credit; same as FirstHome |
| UHC NoMI Loan | Utah Housing Corp | ~$98,500 (SL Co.) | ~$113,000 (SL Co.) | No mortgage insurance; 660+ credit |
| FHA Loan | HUD / Federal | No limit | No limit | DTI ratio matters instead |
| VA Loan | VA / Federal | No limit | No limit | Veterans/active military; DTI applies |
| USDA Loan | USDA Rural Dev. | ~$112,450 | ~$148,450 | ALL household income counts; rural/suburban only |
| Salt Lake County Grant | Salt Lake County | ~$91,000 | ~$105,000 | Based on Area Median Income |
| Davis County Grant | Davis County | ~$80,000 | ~$92,000 | Verify current limits with county |
| Utah County HOME | Utah County | ~$85,000 | ~$98,000 | HUD AMI for Utah County |
| Weber County DPA | Weber County | ~$75,000 | ~$86,000 | Verify current limits with county |
| SB240 Grant | State of Utah | Similar to UHC | Similar to UHC | New construction only |
All figures are approximate 2026 estimates. Official limits update annually. Always verify with your lender before applying.
✦ UHC Breakdown
UHC Income Limits by County & Household Size
| County | 1–2 Person | 3–4 Person | 5–6 Person | 7–8 Person |
|---|---|---|---|---|
| Salt Lake County | ~$98,500 | ~$113,000 | ~$122,000 | ~$131,000 |
| Utah County | ~$94,000 | ~$108,000 | ~$116,500 | ~$125,000 |
| Davis County | ~$94,000 | ~$108,000 | ~$116,500 | ~$125,000 |
| Weber County | ~$88,000 | ~$101,000 | ~$109,000 | ~$117,000 |
| Washington County | ~$88,000 | ~$101,000 | ~$109,000 | ~$117,000 |
| Cache County | ~$82,000 | ~$94,500 | ~$102,000 | ~$109,500 |
| Box Elder County | ~$79,000 | ~$91,000 | ~$98,000 | ~$105,500 |
✦ What Counts
What Is Counted as Household Income?
DOES Count
- All adult borrowers' wages and salary
- Spouse's income (even if not on loan)
- Adult children living in the home (18+)
- Self-employment income (2-year average)
- Rental income (typically 75% of gross)
- Child support / alimony (if 12+ months consistent)
- Social Security / disability
Does NOT Count
- Income from minor children (under 18)
- Income from full-time students (18–25, with restrictions)
- Foster care payments
- Disability payments for minor dependents
- Anticipated bonus income (unless contracted)
- Temporary disability / unemployment
Over the Limit? Next Steps
- Over UHC FirstHome → try HomeAgain
- Over UHC HomeAgain → FHA (no income limit)
- Over USDA → FHA, VA, or conventional
- Over county DPA → still may qualify for UHC DPA
- Over ALL limits → conventional 3–5% down
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What Our Clients Say
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Not Sure Where You Fall?
Get a free eligibility check — we'll run the numbers across every program at once and tell you exactly which programs you qualify for, and which ones to skip.