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Get Matched Free →First-Time Home Buyer Programs in Utah (2026)
By Tyler Thompson · Licensed Real Estate Agent
Utah's state homebuyer programs come from Utah Housing Corporation (UHC), which lends through participating lenders. UHC pairs its FirstHome, FHA/VA and Freddie Mac HFA Advantage first mortgages with a Deferred DPA of up to 3.5% of the loan (max $27,500, no monthly payment) or a Traditional DPA of up to 6% (max $27,500, repaid monthly over 30 years). First-time buyers purchasing a newly built home up to $450,000 can also get up to $20,000 at 0% from the state's First-Time Homebuyer Assistance Program.
Compare Utah Down Payment Assistance Programs
| Program | Max help | Who it’s for | Income cap | Credit |
|---|---|---|---|---|
| Utah First-Time Homebuyer Assistance ProgramZero-Interest Loan | Max help:$20,000 | Who it’s for:First-time buyers | Income cap:Set by the paired Utah Housing first mortgage program. | Credit:Lender sets |
| Utah Housing Deferred Down Payment AssistanceDeferred Loan | Max help:Up to 3.5% of the first mortgage loan amount, not to exceed $27,500 | Who it’s for:First-time and repeat buyers | Income cap:Set by the paired UHC first mortgage. FHA/VA and Freddie Mac HFA Advantage: $165,200 in all counties. FirstHome: by county, for example Salt Lake $126,100 (1-2 people) and $145,000 (3+). | Credit:620 |
| Utah Housing Traditional Down Payment AssistanceRepayable Loan | Max help:Up to 6% of the first mortgage loan amount, not to exceed $27,500 | Who it’s for:First-time and repeat buyers | Income cap:Set by the paired UHC first mortgage. FHA/VA and Freddie Mac HFA Advantage: $165,200 in all counties. FirstHome: by county, for example Salt Lake $126,100 (1-2 people) and $145,000 (3+). | Credit:620 |
First-Time Home Buyer Programs by City in Utah
Compare Utah cities
| City | county | Local programs | Largest local award | Median home | Reviewed |
|---|---|---|---|---|---|
| City: Salt Lake City | County:Salt Lake County | Local programs:0 | Largest local award:— | Median home:$539,500 | Reviewed:Oct 2026 |
Local programs are city, county and nonprofit help; every city also has the 3 statewide programs above. “Varies” means the local award depends on income or price.
All Utah City Guides by County
Local programs serve that city, county or metro. Statewide programs are open across Utah. Federal loans (FHA, VA, USDA) are not counted.