Utah Housing Corporation (UHC) Loan Programs: Your Complete 2026 Guide
Utah Housing Corporation runs four loan programs — FirstHome, HomeAgain, Score, and NoMI — each targeting a different buyer profile. The common thread: below-market rates and up to 6% down payment assistance, stackable with county grants on top. This breaks down which program fits your situation.
Compare UHC Loan Programs
FirstHome
For First-Time Buyers
Ideal for: First-time buyers with good credit who meet income limits
The flagship program for first-time homebuyers in Utah. FirstHome offers the most competitive interest rates combined with generous down payment assistance. This program is designed to make homeownership accessible for Utahns who haven't owned a home in the past three years.
Key Features
- ✓Competitive below-market interest rates
- ✓Up to 6% down payment assistance
- ✓30-year fixed-rate mortgage
- ✓Works with FHA, VA, and conventional loans
- ✓Available through approved lenders statewide
Requirements
- •First-time buyer (no ownership in past 3 years)
- •Meet income limits for your county and household size
- •Purchase within price limits
- •Minimum 660 credit score recommended
- •Complete homebuyer education course
- •Primary residence only
Income Limits (Approximate)
*Income limits vary by county and are updated periodically. Contact us for current limits.
Down Payment Assistance Options
UHC offers two ways to structure your down payment assistance. Choose the option that best fits your plans.
Deferred Payment
Second mortgage at 0% interest with payments deferred until you sell, refinance, or pay off your first mortgage.
Pros
- + Lowest first mortgage rate
- + No monthly payment on DPA
- + 0% interest on second mortgage
Cons
- - Full repayment required eventually
- - Reduces equity at sale
Forgivable Option
Slightly higher first mortgage rate in exchange for DPA forgiveness after 7 years of ownership.
Pros
- + DPA forgiven after 7 years
- + No repayment if you stay
- + Build full equity
Cons
- - Higher monthly payment
- - Pro-rated repayment if sold early
How to Apply for UHC Programs
Get Pre-Approved
1-3 daysConnect with a UHC-approved lender to review your finances and determine which programs you qualify for.
Complete Homebuyer Education
2-8 hoursTake a HUD-approved homebuyer education course online or in person. Certificate valid for most programs.
Find Your Home
VariesSearch for homes within program price limits. Work with an agent familiar with UHC requirements.
Submit Full Application
2-3 weeksOnce under contract, provide full documentation for underwriting. UHC reviews and issues commitment.
Close on Your Home
1 dayComplete final walkthrough, sign documents, and receive keys to your new home!
✦ 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."
Ready to Explore UHC Programs?
We're a UHC-approved lender, which means we can run FirstHome, HomeAgain, Score, and NoMI through your numbers directly. Takes about 15 minutes to know which program fits and what your stacked total looks like with county DPA on top.
UHC Program FAQs
Common questions about Utah Housing Corporation programs