FAQ
How much down payment do I need to buy in Utah?
Utah buyers can put as little as 0% down with a VA or USDA loan, 3% with conventional, or 3.5% with FHA. Down-payment assistance programs are also available statewide.
By Tres Miller · Mortgage Banker · NMLS #217768
Reviewed June 22, 2026 · 31+ years lending in Utah
Quick Answer
Utah buyers can put as little as 0% down with a VA or USDA loan, 3% with conventional, or 3.5% with FHA. Down-payment assistance programs are also available statewide.
Detailed answer
Down payment by program: VA 0%, USDA 0% (eligible rural areas), FHA 3.5%, Conventional 3% (first-time buyer programs) or 5% standard. Utah Housing Corporation also offers DPA loans that cover the down payment. We help you compare program costs over time, not just upfront.
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