HomeAgain, First-Time Buyer Benefits for Your Second Home
Note: HomeAgain is temporarily suspended by UHC. Historically, this program offered repeat buyers a subsidized 30-year fixed rate with up to 6% down payment assistance. The information below describes the program as it operated when active, verify current status with UHC or our team before relying on it.
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."
HomeAgain is suspended. Here are the active repeat-buyer alternatives.
With HomeAgain currently suspended, repeat buyers should look at UHC FHA/VA Mortgage (620+ FICO) or HFA Advantage (680+ FICO). Both offer the same up-to-$27,500 DPA and are open to repeat buyers. We can map your specific scenario in 15 minutes.