By Tres Miller · Mortgage Banker · NMLS #217768
Reviewed June 22, 2026 · 31+ years lending in Utah
Quick Answer
Down payment assistance (DPA) is a loan or grant that covers all or part of a Utah buyer's down payment and sometimes closing costs. Programs vary by income, location, and first-mortgage type.
Overview
Utah Housing Corporation offers several DPA second mortgages designed to pair with their first-mortgage products.
Some county and city programs add additional grants for first-time buyers, public-safety workers, and educators.
DPA second mortgages typically must be repaid when the home is sold or refinanced.
Who it's for
- Income limits vary by program and county
- Credit typically 620+
- Owner-occupant primary residence
Key benefits
- Reduces or eliminates cash needed at closing
- Stacks with FHA, VA, USDA, conventional
- Some programs forgiven over time
Common mistakes to avoid
- Assuming you don't qualify because of income
- Not asking the lender to model DPA scenarios upfront
Run the numbers:Open the mortgage calculator
Frequently Asked Questions
Next steps
Start your application, run scenarios in the mortgage calculator, or schedule a call with Tres Miller — 31+ years of Utah lending, NMLS #217768.
Related resource centers
- First-Time Home Buyer Resource CenterPre-approval, down payment programs, and the honest first-time-buyer path.
- FHA Loans Resource CenterDown payment options, credit flexibility, county loan limits, and what to expect from underwriting.
- USDA Loans Resource CenterEligibility maps, income limits, and how USDA Rural Development financing works in Utah.
Disclosure: Educational information only. Not a commitment to lend. Loan approval, interest rates, fees, program eligibility, and property qualification depend on individual underwriting and current program rules at the time of application. Verify all program details with a licensed loan originator. Tres Miller NMLS #217768. Equal Housing Opportunity.