Utah Down Payment and Homeownership Assistance


Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.

Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.

Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.

The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.

(Source: HUD.gov)

Statewide Programs

Utah Housing Corporation – (801) 902-8200
Community Development Corporation of Utah – (801) 994-7222
U.S. Department of Agriculture Rural Housing – housing programs for people living in rural communities
Federal Home Loan Bank of Seattle – Home$tart Program – help for first time homebuyers with your downpayment
AAA Fair Credit Foundation – Utah Individual Development Account Network – (877) 787-0727

Cities

Brigham City – Habitat for Humanity – (435) 723-7133
Cedar City – Habitat for Humanity – (435) 586-3038
Logan – Habitat for Humanity – (435) 752-8419
Ogden – Ogden City Neighborhood Development Division – (801) 629-8940
Provo
Provo City Redevelopment Agency – (801) 852-6160
Provo Neighborhood Housing Services – (801) 375-5820

Salt Lake City
NeighborWorks Salt Lake – (801) 539-1590
Salt Lake City Housing and Neighborhood Development

Taylorsville – (801) 963-5400
West Jordan City – West Jordan City Economic Development – (801) 569-5062
West Valley City – West Valley Housing Authority – downpayment assistance program (801) 963-3320

Counties

Castle County – Habitat for Humanity – (435) 636-3230
Davis County – Habitat for Humanity
Salt Lake County
Habitat for Humanity – (801) 263-0136
Salt Lake County Economic Development and Community Services – (801) 468-3246

Summit County – Habitat for Humanity – (435) 658-1400
Utah County
Habitat for Humanity – (801) 344-8527

Wasatch County – Habitat for Humanity – (435) 658-1400
Washington County – Habitat for Humanity – (435) 674-7669
Weber County – Habitat for Humanity