HomeAgain — First-Time Buyer Benefits for Your Second Home
If you've owned before, most down payment programs slam the door in your face. UHC HomeAgain is the exception — a subsidized 30-year fixed rate with up to 6% down payment assistance, open to repeat buyers and buyers who exceed FirstHome income limits.
What Makes HomeAgain Different
The one UHC program that doesn't require a first-time buyer certificate
HomeAgain is essentially the same structure as UHC's FirstHome Loan, with two key differences: (1) it's available to repeat homebuyers, not just first-timers, and (2) it has higher — or in some configurations no — income limits. It was designed for buyers who've owned before but still need help with the down payment, and for buyers who earn too much for FirstHome but still can't easily swing a 5–20% down payment in Utah's market.
HomeAgain vs. FirstHome: Who Should Use Each
Both are strong programs — but they serve different buyers
| Feature | FirstHome | HomeAgain |
|---|---|---|
| First-time buyer required | Yes | No |
| Income limits | Stricter | Higher / more flexible |
| Rate | Lowest UHC rate | Slightly higher |
| DPA available | Up to 6% | Up to 6% |
| Best for | First-timers, moderate income | Repeat buyers, higher earners |
When HomeAgain Makes Sense
Real scenarios where HomeAgain is the right tool
Prior Owner Needs DPA Again
You owned a home 3+ years ago, sold it, and now need help with the down payment again. FirstHome is off the table — HomeAgain covers this exact situation.
Over FirstHome Income Limits
You earn more than FirstHome limits allow (~$98K–113K for Salt Lake County) but less than 120% AMI. HomeAgain's higher limits may still qualify you for DPA.
Upsizing From a Condo
You're moving from a condo to a house and your sale proceeds don't fully cover the new down payment. HomeAgain bridges the gap with up to 6% DPA.
Cash-Tight After a Life Event
Your credit is solid (660+) but you're cash-tight after a divorce, medical bills, or other major expense. HomeAgain gives you the down payment runway you need.
2026 Income & Purchase Price Limits
HomeAgain limits are often higher or flexible by county — contact a UHC lender for exact figures
| County | Approx. Income Limit | Purchase Price Limit |
|---|---|---|
| Salt Lake | Higher than FirstHome / ask lender | ~$600,000 |
| Utah County | Higher than FirstHome / ask lender | ~$570,000 |
| Davis County | Higher than FirstHome / ask lender | ~$570,000 |
| Weber County | Higher than FirstHome / ask lender | ~$520,000 |
| Washington County | Higher than FirstHome / ask lender | ~$520,000 |
*Limits are updated periodically. Repeat buyer income limits vary by county and may exceed standard thresholds. Always confirm with a UHC-approved lender before applying.
DPA Options: Deferred vs. Forgivable
HomeAgain gives you a choice in how your down payment assistance is structured
Deferred DPA (0% Interest)
The second mortgage balance comes due when you sell, refinance, or pay off the first. No monthly payments, no interest accruing — it just sits until one of those events. If you expect to move or refinance in under 10 years, this keeps your monthly payment lower and the payoff simple.
Forgivable DPA (7-Year Term)
Costs slightly more per month but eliminates the second mortgage debt entirely if you remain in the home for 7 years. After the forgiveness period, you owe nothing on the DPA — it disappears. If you're buying a long-term home, this structure is often the better financial choice.
✦ 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."
Whether it's your second home or your first in years — let's find what you qualify for.
HomeAgain is one of the least-known programs in Utah's buyer toolkit, but it's often the right fit for repeat buyers and higher earners who've been told they don't qualify for help. Let's check your numbers.