Cornerstone Home Lending

Utah Down Payment Assistance Programs

Down payment assistance Utah first-time buyers need. Utah down payment assistance programs by city and county — grants, forgivable loans, and deferred financing. See what you qualify for today.

Utah Down Payment Assistance Programs

Utah down payment assistance helps first-time buyers overcome the down payment hurdle. Down payment assistance Utah offers includes city grants, county programs, FHLB HELP, and UHC FirstHome. Programs are federally funded but administered locally — find your city below.

First-Time Buyers

You qualify if you haven't owned a principal residence in the last 3 years, or if your only home was owned jointly with an ex-spouse.

Income Limits

Your total household income must generally be under 80% of the Area Median Income (AMI) based on your family size.

Primary Residence

You must live in the home as your primary residence. Investment properties and second homes do not qualify.

Utah Down Payment Assistance by City

Davis County DPA

Max Amount:Up to $10,000
Program Type:Grant / Silent 2nd

Weber County DPA

Max Amount:Up to $5,000
Program Type:Grant / Silent 2nd

Layton City (At Home in Layton)

Max Amount:Up to $10,000
Program Type:Forgivable Grant (5 Years)

Clearfield City DPA

Max Amount:Up to $4,000
Program Type:Grant

Salt Lake City DPA

Max Amount:Up to $30,000
Program Type:Forgivable Grant

West Jordan DPA

Max Amount:Up to $20,000
Program Type:Grant

Provo DPA

Max Amount:Check availability
Program Type:City Programs

SEE YOUR PERSONALIZED NUMBERS

Our first-time buyer calculator shows exactly how DPA programs reduce your cash to close — with real-time numbers for Conventional, FHA, and VA loans.

Calculate Your Savings

NOT EVERY LENDER CAN ACCESS THESE PROGRAMS

National lenders like Rocket Mortgage and Better.com have zero access to Utah DPA. We're approved for every program listed above — and we specialize in stacking them for maximum savings.

See Which Lenders Offer Utah DPA

Utah down payment assistance programs vary by city and county. Whether you're looking for down payment assistance in Clearfield, Layton, Salt Lake City, Provo, West Jordan, or elsewhere in Utah, we help you find and apply for every program you qualify for — at no extra cost.

For a comprehensive directory of every DPA program in Utah with eligibility details, income limits, and a matching tool, visit UtahDownPaymentPrograms.com.