Utah homebuyers can access up to $20,800 in down payment assistance through the Utah Housing Corporation (UHC). On the state's $511,400 median home price, that covers roughly 20% of a standard 20% down payment.
Primary Program: UHC Down Payment Assistance
maximum assistance
0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
- Administering Agency
- Utah Housing Corporation (UHC)
- Purchase Price Cap
- $726,200
How Down Payment Assistance Works
Most state DPA programs are layered on top of a first mortgage — you apply through an approved lender who originates both the primary loan and the DPA second lien at the same closing. The DPA funds reduce the cash you need upfront.
Grants
Free money — no repayment ever. Typically the smallest amounts but highest value.
Forgivable Loans
Balance forgiven after a set period (usually 3–15 years) if you stay in the home. Selling early triggers repayment.
Deferred Loans
No monthly payments. Balance due when you sell, refinance, or pay off your mortgage.
Down Payment Calculator
Down Payment Planner
Utah median pre-loaded
Your Savings Plan
Timeline
17.1 yrs
saving $500/mo
No PMI at 20% down
20% or more avoids private mortgage insurance entirely.
Estimate only — does not include investment returns on savings.
Full Calculator →Frequently Asked Questions
What down payment assistance is available in Utah?
Utah's primary DPA program is the UHC Down Payment Assistance, administered by the Utah Housing Corporation (UHC). It provides up to $20,800 as a deferred loan. 0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
How much down payment do I need in Utah after using DPA?
On a $511,400 home (Utah median), a 20% down payment is $102,280. With the UHC Down Payment Assistance covering $20,800, your remaining gap would be $81,480. Many buyers combine DPA with a 3–5% conventional or FHA loan to reduce their cash needed further.
Do I have to repay Utah down payment assistance?
0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
Can I combine Utah DPA with other assistance programs?
Yes — Utah's DPA programs can generally be combined ("stacked") with local city and county assistance programs, employer homebuyer benefits, and federal programs. Check with an approved lender or HUD-approved counselor to identify all programs you qualify for.
What are the income limits for Utah down payment assistance?
The UHC Down Payment Assistance uses a dollar-based income limit rather than a percentage of AMI. Check the Utah Housing Corporation (UHC) website for current limits in your area.
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