Utah Home Buying Grants (TOP 2026)

: These programs often pair a competitive 30-year fixed-rate mortgage with a second mortgage to cover the down payment and closing costs.

: UHC offers several loan options that include built-in down payment assistance:

: Established by the Utah Legislature, this program provides up to $20,000 in assistance for first-time buyers. utah home buying grants

: Projections for 2026 suggest average 30-year fixed mortgage rates may fall below 6%, potentially reaching as low as 5.5%, which would further enhance the purchasing power of grant recipients. Market Context and Affordability

: The Wasatch Front continues to experience an undersupply of housing units relative to demand. : These programs often pair a competitive 30-year

: Areas like Davis County and Utah County frequently manage own-home programs that offer several thousand dollars in assistance based on income eligibility. Specialized Programs and Incentives

: Primarily for newly constructed homes or homes not previously occupied. Market Context and Affordability : The Wasatch Front

: In qualifying rural areas of Utah (such as parts of Summit or Wasatch counties), buyers can access 100% financing with no down payment required.