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
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Using Gift Funds for a Down Payment
How gift funds work for a Utah down payment.
Everything a first-time Utah buyer needs — credit, down payment, programs, timeline, and the full home-buying process.
Educational only. Not legal, tax, or financial advice.
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The FHA financing playbook for Utah buyers with lower credit or lower down payment — eligibility, MIP, loan limits, and the step-by-step process.
Educational only. Not legal, tax, or financial advice.
Utah down payment assistance programs — UHC, county, city, and grant programs — eligibility, layering strategies, and how to apply.
Educational only. Not legal, tax, or financial advice.
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.