NoMI Loan

State program

Learn more

at Utah Housing

Best for

Low down payment

Low mortgage insurance

Down payment assistance

Closing cost assistance

What you need to know

The NoMI Loan is a mortgage with a low down payment and without monthly mortgage insurance payments. The minimum down payment is 3%. It's for first-time and repeat home buyers. The minimum credit score is 700, and there are income limits. Down payment and closing cost assistance is available as a