Utah First-Time Home Buyer Programs of 2021


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Utah Housing Corp. offers mortgages and down payment assistance to help first-time home buyers achieve homeownership in the Beehive State.

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You may qualify as a first-time home buyer if you haven't owned a home in the past three years. Utah Housing offers loans and down payment assistance to repeat home buyers, too.

National first-time home buyer programs to consider

These national programs can help home buyers in Utah and elsewhere get mortgages with low down payments or even no down payment. Saving up for a down payment is a challenge for many first-time buyers.

Utah Housing highlights and eligibility requirements

First-time home buyers in Utah who meet income and other eligibility requirements can get 30-year mortgages at competitive interest rates through Utah Housing's FirstHome Loan program. Other loan programs are available to first-time and repeat buyers.


  • Down payment and closing-cost assistance is available in the form of a second mortgage.

  • All primary mortgages are 30-year, fixed-rate loans.

  • Minimum credit scores start at 620.


  • Loan must be used to buy a primary residence in Utah.

  • Most programs have income limits.

  • Some programs have home-price limits.

Utah first-time home buyer loan programs

Your next step

That's a summary of homebuying programs for first-time (and repeat) home buyers in Utah. For details, see the Utah Housing Corp. website. Utah Housing does not lend directly; approved participating lenders do. If any of these programs seem promising to you, contact a lender directly.

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