Utah Down Payment Assistance Programs — 2026 Hub
Compare Utah down payment assistance by city and county: Davis, Weber, Salt Lake, Ogden, Layton, Clearfield, Provo, West Jordan & statewide options. Learn how stacking works, then book a free DPA strategy call or jump straight into pre-approval.
Not sure where to start?
Book a free 30-minute DPA stacking review — or call (801) 820-7620.
Find Utah Down Payment Assistance by Area
Utah down payment assistance is hyper-local: counties and cities run different grants and deferred loans with unique income caps and deadlines. Pick your area below — each guide lists programs, stacking examples, and FAQs. For every program nationwide? Visit our companion directory at UtahDownPaymentPrograms.com.
First-Time Buyers
Most programs consider you a first-time buyer if you have not owned a principal residence in the last three years (HUD definition). Some DPAs allow exceptions — we confirm eligibility before you shop.
Income & AMI
Assistance programs compare your household income to HUD Area Median Income for your county. Thresholds may be 80%, 100%, or 120% AMI depending on the program — see each city guide for charts.
Primary Residence
Investment properties, second homes, and Airbnb strategies do not qualify for buyer DPA. You must certify owner occupancy and meet program retention rules (often 5–15 years for forgiveness).
Programs by City / County
Salt Lake County DPA
Salt Lake City DPA
Davis County DPA
Weber County DPA
Ogden (Own in Ogden)
Layton (At Home in Layton)
Clearfield City DPA
Provo / Utah County DPA
West Jordan DPA
Tooele County DPA
HomeChoice (Statewide)
SEE YOUR PERSONALIZED NUMBERS
Our first-time buyer calculator estimates cash-to-close with Utah defaults and surfaces programs that may apply based on income and geography.
Open First-Time Buyer CalculatorONLY CERTAIN LENDERS CAN STACK THESE PROGRAMS
Many national retail lenders cannot originate Utah Housing, FHLB HELP, or municipal DPAs. We maintain approvals across state, federal, and local channels so you do not leave money on the table.
Which Utah Lenders Offer DPA?Utah Down Payment Assistance FAQs
Quick answers for common Google searches — each topic expands for full detail.
What is Utah down payment assistance (DPA)?
Down payment assistance helps eligible buyers cover down payment and sometimes closing costs through grants, silent seconds, or deferred loans administered by Utah Housing (UHC), the Federal Home Loan Bank HELP / Welcome Home grant, or city and county housing departments. Programs stack only when layering rules allow — we map legal combinations for you.
Who qualifies for Utah down payment assistance?
Most programs target first-time buyers (no ownership in the past 3 years), primary residences, and household incomes under a set percentage of Area Median Income (AMI). Some employer or disability-focused programs use different rules. Credit score minimums vary by loan type (often 620–660 for DPA paired with FHA or conventional).
Can I stack Utah down payment assistance programs?
Often yes — for example pairing UHC second mortgages with city grants or FHLB HELP when layering rules align. Illegal stacking wastes time at underwriting, so we verify compatible programs before you write an offer.
How do I apply for Utah DPA?
Start with a mortgage pre-approval through a lender approved for the programs you need (we originate UHC, FHLB HELP, and most Wasatch Front city/county options). We pull income and credit once, then prepare parallel DPA paperwork so deadlines are not missed.
Can I book a call to review my DPA options?
Yes — schedule a free 30-minute consultation at https://www.thetimhawkesteam.com/book?utm_source=dpa-hub . No credit pull required for the strategy call.
Ready to Stack Your Utah DPA?
Tell us your city, household size, and timeline — we map every compatible grant, deferred loan, and silent second so you walk into underwriting with a clean plan.
Serving buyers statewide — especially Davis, Weber, Salt Lake, Utah County, Tooele, Washington County, and Cache County. If your municipality is not listed yet, call us; programs change frequently and we track funding windows daily.
Continue reading: Utah First-Time Buyer Guide (2026) · Mortgage Calculator (Utah defaults)