Down payment assistance in Utah
Utah's primary statewide down payment assistance program, run by Utah Housing Corporation (UHC). Numbers and eligibility reflect the program's published 2025 guidelines.
First Home Loan + Second Mortgage DPA
Second mortgage- Maximum assistance
- Up to 6% of first mortgage as a 30-year second
- Income limit
- Up to $158,000 (varies)
- Home price limit
- Up to $700,000 (Salt Lake/Park City); $481,176 elsewhere
- First-time buyer
- Preferred (some products)
- Eligible loan types
- FHA, VA, USDA, Conventional
- •Second mortgage at 2% above the first, 30-year amortizing.
- •First Home is for first-time buyers; Home Again is for repeat buyers.
How Utah DPA fits into your purchase
Down payment assistance reduces the cash you need at the closing table. Utah's First Home Loan + Second Mortgage DPA pairs with the standard FHA, VA, USDA, or conventional first mortgage from a participating lender; the DPA flows through the same closing.
Two things to budget for: most state DPA requires a homebuyer-education course (typically online, 6-8 hours, ~$75) and you usually have to use a lender on the agency's approved list. The agency keeps the list public on its website.
Common questions
Utah's primary statewide DPA is First Home Loan + Second Mortgage DPA from Utah Housing Corporation (UHC). Up to 6% of first mortgage as a 30-year second. Many Utah cities and counties also run additional DPA layered on top.
Some product variants are first-time-buyer only; others are open to repeat buyers. Check the agency page for the current matrix.
Yes. First Home Loan + Second Mortgage DPA works with these loan types: FHA, VA, USDA, Conventional. The DPA is layered behind your first mortgage as a separate lien (or grant), and both close together.
Yes. A second-mortgage DPA has a monthly payment, and that payment is included in your debt-to-income ratio when the lender qualifies you.
Deferred and second-mortgage DPAs are generally repaid in full when you sell, refinance, or pay off the first mortgage.