Utah Housing Grants & Down Payment Assistance Programs

Learn more about Utah Home Grants in this Video:

Utah Housing Grants & Down Payment Assistance Programs

BuyUtahHomes.com is your trusted resource for navigating Utah housing grants, down payment assistance, and first-time homebuyer programs that make homeownership more affordable than ever.

What Are Utah Housing Grants?

Utah housing grants are financial programs that help you cover part or all of your down payment and closing costs. These are typically provided by local cities, the state of Utah, or even private lenders—and best of all, they don’t need to be repaid as long as you follow the program rules.

They’re especially helpful for first-time buyers or anyone who needs a financial boost to get into a home.

Who Can Qualify?

Most programs are designed for:

  • First-time homebuyers (or anyone who hasn’t owned in the last 3 years)
  • Buyers who meet certain income limits
  • Homes located in eligible areas
  • Buyers who complete a homebuyer education course

Even if you’ve owned before, you might still qualify depending on your current situation.

Popular Utah Grant Programs

Here are some of the most effective and commonly used options in Utah:

Utah Housing Corporation (UHC) Programs

Offers 100% financing with Down Payment Assistance (DPA) loans, paired with FHA or conventional loans. Available for both first-time and repeat buyers.

Popular Utah Grant Programs

Here are some of the most effective and commonly used options in Utah:

Utah Housing Corporation (UHC) Programs

Offers 100% financing with Down Payment Assistance (DPA) loans, paired with FHA or conventional loans. Available for both first-time and repeat buyers.

City-Based First-Time Buyer Grants

Many Utah cities offer local grant funds:

  • Salt Lake City – Up to $14,000 in down payment help
  • West Valley, Ogden, and Provo – Local programs offering $5,000–$10,000 in forgivable aid

USDA & VA Loans (0% Down)

Buyers purchasing in rural areas or qualified veterans can use these loans to buy a home with no money down.

Employer & Nonprofit Assistance

Some Utah employers and nonprofits offer programs that match your savings or contribute toward your purchase.

Private & Wholesale Lender Grants

Through our network of private and wholesale lenders, we have access to special grant programs not offered at big banks, including:

  • First-time buyer grants with flexible credit requirements
  • Forgivable second loans
  • Programs for buyers with limited savings or unique income situations

These exclusive programs can be a major advantage when paired with local or state grants.

Check your program eligibility now.

Apply for the 0% Down Purchase Program, click on the Program Application link:

Request 0% Down Purchase Information:

Fill out the form below or call us at (801) 871-8101 for immediate assistance.

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Utah Housing Grants & Assistance

BuyUtahHomes.com helps buyers across Utah access down payment assistance, grants, and first-time homebuyer programs—many of which don't require repayment.

What Are Housing Grants?

Housing grants are financial programs that help cover your down payment and closing costs. Offered by city, state, and private sources, they can dramatically lower the upfront cost of buying a home. In most cases, you don’t have to repay them if you meet the program conditions.

Who Qualifies?

  • First-time buyers (or no ownership in last 3 years)
  • Moderate income or specific area residency
  • Completion of homebuyer education

You may still qualify even if you've owned a home before.

City-Based Programs

  • Salt Lake City: Up to $14,000 in assistance
  • West Valley, Ogden, Provo: Local grants from $5,000–$10,000