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Home Buyer Down Payment Grants for Single Mothers in Utah

Home Buyer Down Payment Grants for Single Mothers in Utah [2025]

Last updated: September 2025

This is your practical, Utah‑specific playbook to find, verify, and stack down payment help. Every program and contact in this guide links to an official site so you can move fast, avoid dead ends, and keep receipts for lenders.


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If You Only Do 3 Things — Emergency Actions to Take

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Quick Help Box — Keep These 5 Contacts Handy

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Who This Guide Is For

This guide is built for Utah single moms who need real numbers, clear steps, and verified links. You’ll find direct city/county programs, the statewide $20,000 first‑time new‑construction fund, and proven alternatives like USDA, VA, and Section 184 for tribal members. We include timelines, documents, and what to do if funding is out.

To keep this guide accurate, we use official sources and show the program’s 2025 status with citations.

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Utah Down Payment Help at a Glance

The biggest statewide lever right now is Utah’s First‑Time Homebuyer Assistance Program (up to 20,000fornewconstruction≤20,000 for new construction ≤450,000). Cities and counties also offer their own loans or grants that can stack with state funds, depending on rules. Pair these with UHC’s down payment assistance second mortgages, USDA zero‑down in rural areas, or VA loans if eligible.

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Program Snapshot Table — 2025 Highlights

Program Max Help Type Where It Works Key Notes
UHC First‑Time Homebuyer Assistance – New Construction $20,000 0% interest, payment‑free; repaid at sale/refi per equity rules Statewide; newly built homes ≤$450,000 Must meet UHC income/credit; Utah resident 12+ months; lender reserves funding. (law.justia.com)
UHC DPA Second Mortgage Up to 6% of 1st mortgage (caps vary) Second mortgage; repayable Statewide with UHC first mortgages Terms vary by loan (FirstHome/HomeAgain/Score/NoMI). Verify current rates. (fha.com)
Provo “Home Purchase Plus” Up to $60,000 0% deferred; partial forgiveness Provo City 50% forgiveness after full affordability period; 3–4 weeks processing. (provo.gov)
Provo “Loan to Own” Up to $40,000 0% deferred; partial forgiveness Utah County (excl. a few cities) 5–10‑year affordability periods; 650+ credit; UT Relay 711 available. (provo.gov)
Davis County Homeownership Assistance Up to $50,000 1% simple interest; no monthly payments Davis County Can stack with state $20k; hotline 1-801-451-3251. (daviscountyutah.gov)
Ogden “Own in Ogden” Up to $10,000 (more for select workers) 0% deferred; due at sale/move Ogden City Typical 15–20 business days when complete; budget on July 1 cycle. (council.ogdencity.com)
West Jordan DPA Up to $7,500 Forgiven after 5 years West Jordan City Supports half down payment + closing costs; first‑come, first‑served. (westjordan.utah.gov)
NeighborWorks SLC DPA (Midvale/Murray) Up to 25,000–25,000–30,000 5‑year forgivable Midvale and Murray Funding changes; call 801-539-1590 for status/waitlist. (nwsaltlake.org)

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Statewide Options You Can Use (and Stack)

Utah’s $20,000 First‑Time Homebuyer Assistance (New Construction)

Most important action: Ask your lender to reserve funds early with UHC if you’re shopping new construction priced at or under $450,000. This is a 0% loan with no monthly payment; you repay when you sell or refinance, per equity‑share caps in rule. Confirm current availability and caps before you write an offer.

  • The program is established in law at Utah Code §63H‑8‑502 (max $20,000; allowed uses include down payment, closing costs, or permanent interest rate buydown), funded again in 2025 per Utah Legislature “From the Ground Up”. Administration and reservations run through Utah Housing Corporation; ask your lender about current reservation steps. According to the code, the builder cannot raise the price because you use these funds. (law.justia.com)
  • Typical realities: City inventory under $450k is mostly condos/townhomes; some builders in Utah, Tooele, and Davis Counties match this price point. Expect underwriting like any first mortgage, plus the state assistance note. You still need earnest money and a lender pre‑approval. For process FAQs, you can ask UHC at 1-801-902-8200 or your lender to review the current reservation form. Check local opportunities similar to Taylorsville’s recent notice highlighting the program for new townhomes. (taylorsvilleut.gov)

What to do if this doesn’t work: Check your city/county DPA, then consider UHC’s DPA second mortgage (below), USDA 502 Direct/Guaranteed if rural, and VA if eligible. Try 211 Utah for additional local options. (211utah.org)

UHC Down Payment Assistance Second Mortgage (with a UHC first mortgage)

Most important action: Ask your lender which UHC first‑mortgage product you qualify for (FirstHome, HomeAgain, Score, or NoMI) because that sets your DPA %, cap, and interest. This is not a grant; it’s a 30‑year second mortgage with terms that vary by product.

  • As summarized for buyers: UHC’s DPA is a fixed‑rate second mortgage tied to your UHC first mortgage; caps differ by product and can reach up to 6%. Interest often prices above the first, and payments may be due monthly depending on the option. Always get a loan estimate showing both loans. Use UHC’s homeowner contact and FAQ pages for program and servicing questions. (fha.com)
  • Tip: Some lenders advertise a deferred DPA option with no monthly payment; verify current availability and caps against official UHC terms before you rely on it, since offerings can change. Ask for written program sheets dated this month. When in doubt, call UHC at 1-801-902-8200 to confirm. (utahhousingcorp.org)

What to do if this doesn’t work: Keep the UHC first mortgage but add city/county DPA, or pivot to FHA 3.5% down (with gift), USDA (0% down rural), or VA (0% down if eligible). Use HUD’s FHA overview, USDA Utah, and VA Home Loans to compare. (hud.gov)

FHA, USDA, VA, and Section 184 in Utah

Most important action: Match your mortgage type to your situation — then layer DPA.

What to do if this doesn’t work: If you’re just shy on funds or credit, complete a USU online homebuyer course and add a one‑on‑one plan with CDCU or NeighborWorks Salt Lake for targeted coaching and grant timing. (extension.usu.edu)

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City and County Down Payment Assistance (DPA) You Can Use Now

Below are the most active, well‑documented local programs as of September 2025. Always confirm current funding before you shop or write offers.

Provo — “Home Purchase Plus” and “Loan to Own”

Most important action: Apply as soon as you have a signed contract and lender pre‑approval; Provo uses Neighborly for applications and posts underwriting criteria online.

  • Current amounts and terms: “Home Purchase Plus” offers up to 60,000inProvo;“LoantoOwn”offersupto60,000 in Provo; “Loan to Own” offers up to 40,000 in most of Utah County (excluding a few cities). Both are 0% deferred loans with 50% forgiveness if you meet the full affordability timeline (5–15 years). The city lists a 3–4 week processing timeline for complete files, a 1,000minimumbuyercontribution,anda1,000 minimum buyer contribution, and a 5,000 penalty if you sell within two years. Education accepted includes USU Online, NeighborWorks Orem, and Community Action Services. Full details are posted by the City of Provo. (provo.gov)
  • Accessibility and language: UT Relay 711 and UT Spanish Relay 1-888-346-3162 are listed on Provo’s page; ask for translated forms if needed. Contact the Community Grant Coordinator at 1-801-852-6162 for case‑specific questions at Provo DPA. (provo.gov)

What to do if this doesn’t work: If you shop outside the eligible areas or miss funding, stack UHC’s $20,000 new construction assistance or a UHC DPA second. Check USDA Utah if you’re in rural Utah County. (rd.usda.gov)

Davis County — Homeownership Assistance (Up to $50,000)

Most important action: Use this to bring your payment to a safer front‑end DTI; the county can combine principal reduction, permanent rate buydown (up to $10,000), and up to 50% of your required down payment/closing costs.

  • As posted by the county (2025): Loans up to 50,000at150,000 at 1% simple interest, no monthly payments, repaid at sale or ineligible refi; income caps are published annually, and this can stack with the state’s 20,000 for up to $70,000 combined help. The county hotline is 1-801-451-3251; apply via Neighborly under “Davis Homeownership Program.” See Davis County Homeownership Assistance and the county’s Grants & Community Development pages. (daviscountyutah.gov)

What to do if this doesn’t work: Try Layton’s local grant (“At Home in Layton,” often $10,000) via Layton Economic Development and confirm city funding windows; stack with UHC DPA if needed. (laytonecon.org)

Ogden — “Own in Ogden” (Zero‑Interest, Deferred)

Most important action: Submit a complete file and expect 15–20 business days for processing; funds re‑open with the fiscal year (July 1) and are first‑come, first‑served.

  • Program summary: Up to 10,000citywideforeligiblehouseholdsatorbelow8010,000 citywide for eligible households at or below 80% AMI, with higher amounts for teachers, city employees, and first responders. It’s a 0% deferred loan due at sale or move‑out, not time‑forgiven. The city posts purchase price limits, buyer contribution (500), and turn times (15 days if complete; up to 20 days if piecemeal). See Own in Ogden. FY 2025 budget context and throughput were also reported by the local press. (council.ogdencity.com)

What to do if this doesn’t work: If funds are exhausted, try Weber County alternatives or stack UHC DPA on FHA/VA/Conventional loans. For rural Weber/Box Elder options, check USDA Utah and USU Homebuyer Education while you wait. (rd.usda.gov)

West Jordan — Down Payment Assistance (Forgiven After 5 Years)

Most important action: Apply early; grants are limited and tied to annual HUD allocations.

  • The city offers up to $7,500 to cover half of the required down payment and one‑time closing costs; the lien is forgiven after five years of owner‑occupancy. Program details and application are posted under Affordable Housing – West Jordan; see public notices for yearly CDBG allocations. (westjordan.utah.gov)

What to do if this doesn’t work: If you can’t secure a city grant, consider NeighborWorks SLC DPA in nearby cities, or pair UHC DPA with FHA 3.5% down. (nwsaltlake.org)

Midvale & Murray — NeighborWorks Salt Lake (Up to 25,000–25,000–30,000)

Most important action: Call 801‑539‑1590 to confirm current funding; Midvale and Murray programs are time‑limited and may have waitlists.

  • NeighborWorks Salt Lake administers local DPA with typical five‑year forgivable structures (Murray up to 30,000;Midvaleupto30,000; Midvale up to 25,000, $30,000 for municipal/public employees). Funding status changes; check the NeighborWorks DPA page for current availability. (nwsaltlake.org)

What to do if this doesn’t work: If funds are out, submit to the waitlist and immediately pivot to city/county alternatives (West Jordan, Provo, Davis County) and UHC’s state programs. Keep your HUD education certificate current via USU Online. (extension.usu.edu)

West Valley City — Current Focus on Chenoa Fund (Not a City Grant)

Most important action: Know that West Valley City’s site points buyers to the lender‑run Chenoa Fund; the city isn’t offering a separate grant at this time.

  • The West Valley City Community Grants Division notes its partnership for DPA through the CBC Mortgage Agency’s Chenoa Fund. This is not a city grant; terms are lender‑driven. Verify rates, fees, and recapture before using. If you prefer grants/forgiveness, look to neighboring cities or county‑wide programs. (wvc-ut.gov)

What to do if this doesn’t work: Try West Jordan’s grant, Provo/Utah County options, or Davis County, and consider UHC DPA to bridge your down payment. (westjordan.utah.gov)

Washington County — REALTORS REACH $5,000 Grants (Periods Open/Close)

Most important action: Watch the application windows; individual $5,000 grants open in rounds.

  • The Washington County REALTORS REACH Foundation posts $5,000 down payment grants for qualifying buyers represented by a REALTOR®, with credit ≥640 and lender pre‑qualification; summer 2025 round closed and fall round expected. Funds go to title, not to the buyer, and the aid is not repaid. Please read current eligibility and timelines before applying. (washingtoncountyrealtors.com)

What to do if this doesn’t work: Pair USDA 502 with builder incentives, and ask UHC lenders about DPA. For repairs on owned homes, Washington County nonprofits like Habitat may help in other ways. (rd.usda.gov)

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How to Apply (and Get Approved) — Step‑by‑Step

Follow these steps for any Utah DPA program. When programs are open but funds are tight, speed and completeness matter.

  • Get a pre‑approval from a Utah lender that works with your target program: For the state $20,000 assistance and UHC DPA, you need a UHC‑participating lender; for city/county DPAs, a standard fixed‑rate lender is fine. Confirm they can submit reservations in Neighborly or the city portal. (utahhousingcorp.org)
  • Finish HUD‑approved homebuyer education and keep the certificate handy: Utah buyers can use USU’s online course, or local classes via HUD Utah list; Provo and Ogden list accepted providers. (extension.usu.edu)
  • Write a clean offer with realistic timelines: If using Ogden’s DPA, expect 15–20 business days for the city to issue commitments; Provo estimates 3–4 weeks. Add lender and city milestones into your contract. See Own in Ogden and Provo DPA details. (council.ogdencity.com)
  • Upload a complete application on day one: Neighborly portals (Davis, Provo) and city systems won’t “hold your spot” without a full package. If your file is piecemeal, Ogden warns it can push your turn time to 20 business days. See Davis County and Ogden timelines. (daviscountyutah.gov)
  • Get the wire timeline in writing: Ogden notes wires take five business days after final commitment; build that into your closing date. Own in Ogden spells this out. (council.ogdencity.com)

What to do if this doesn’t work: Ask your counselor to pivot your file to another active program (e.g., from city DPA to county DPA or USDA/VA), and use 211 Utah to locate nonprofit bridge help if you risk losing earnest money. (211utah.org)

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Required Documents — Application Checklist (Screenshot‑Friendly)

Print this and check each box before you upload. If you can’t see or print well, ask for large‑print forms or a mailed packet. UT Relay 711 and Spanish Relay 1-888-346-3162 are available on some city pages.

  • Government ID & SSN/ITIN: Driver’s license; Social Security cards (or ITIN documentation). See Provo DPA docs list. (provo.gov)
  • Income proof: Last 3 months of pay stubs (or 12‑month P&L if self‑employed); last 2–3 years of federal tax returns. Many cities follow HUD income rules from HUD Utah. (hud.gov)
  • Bank statements: Last 2–3 months for all accounts; some programs cap post‑closing liquid assets (Provo caps at $15,000). See Provo underwriting criteria. (provo.gov)
  • Signed purchase contract & loan pre‑approval: Fixed‑rate first mortgage required by Provo and most city/county programs. Confirm with Provo DPA and Davis County. (provo.gov)
  • Homebuyer education certificate: Accepted providers include USU and HUD‑listed agencies. (extension.usu.edu)
  • Any program‑specific forms: City addenda, seller/lender signatures, or inspection clearances (Ogden requires safety inspection sign‑off). See Own in Ogden. (council.ogdencity.com)

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Reality Check — What Utah Buyers Are Actually Seeing in 2025

  • Funding is cyclical. Ogden DPA restarts each July 1; Salt Lake City channels HUD funds across services and may run out of DPA until a new cycle. For example, NeighborWorks SLC shows SLC DPA temporarily out with a waitlist. (nwsaltlake.org)
  • New‑construction 450kcapspushmanybuyerstowardtownhomes/condos.The450k caps push many buyers toward townhomes/condos. The 20,000 state assistance exists to make those attainable; the 2025 budget again set aside funds for first‑time buyers. See Utah Legislature Budget and the state statute. (budget.utah.gov)
  • Timelines matter. Ogden cites 15 business days for complete files and five days for wires; Provo lists 3–4 weeks. If your lender sets a 21‑day close without coordination, expect addenda. See Ogden and Provo. (council.ogdencity.com)

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Table — Mortgage Types, Minimum Down, and How to Pair DPA

Loan Type Minimum Down Typical Pairing Strategy Where to Learn More
FHA 3.5% Use city/county DPA for some/all of 3.5% + closing costs; add UHC DPA second if needed HUD FHA; UHC DPA (hud.gov)
USDA 502 0% Use for rural areas; pair with seller or builder credits; limited stacking with local DPA varies USDA Utah; 502 Direct (rd.usda.gov)
VA 0% Use funding fee exemptions (if applicable); add local DPA for closing costs if allowed VA Home Loans; VA News (benefits.va.gov)
Conventional (UHC HFA/NoMI) 3%+ Pair with UHC DPA or local grants if income/credit fit; verify mortgage insurance options UHC FAQ; HUD Counselors (utahhousingcorp.org)
Section 184 (tribal) Low down Often stacks with seller/builder help; check tribe and lender for stacking rules HUD Section 184; ONAP 184 Details (hud.gov)

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Common Mistakes to Avoid

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Table — 2025 Examples of Eligibility and Wait Times

Program Income Guidance (2025) Typical Processing Notes/Links
Provo DPA 80% AMI; posted 6/1/2025 income chart 3–4 weeks for complete files Provo DPA (provo.gov)
Davis County 2025 thresholds posted; up to $50k First‑come, first‑qualified Davis County Homeownership (daviscountyutah.gov)
Ogden “Own in Ogden” ≤80% AMI; buyer puts in $500 15–20 business days; 5 days for wire Ogden DPA (council.ogdencity.com)
NeighborWorks SLC City‑specific; varies by fund Status varies; call to confirm NWSL DPA (nwsaltlake.org)

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How to Stop Utility Shutoff in Utah Today

If a shutoff notice is threatening your closing funds or monthly budget, act same‑day.

  • Apply for HEAT right now: Utah’s Low Income Home Energy Assistance Program is run by the Department of Workforce Services — HEAT. Ask your local agency for crisis appointments and a verification letter for your utility. (jobs.utah.gov)
  • Call 211 Utah to locate fast utility aid and payment plans: Dial 211 or 1-888-826-9790, or text your ZIP to 801-845-2211. Navigators can find city funds like West Jordan’s Utility Hardship program and charity help in your ZIP. Use 211 Utah to chat or search now. (westjordan.utah.gov)
  • Ask your utility for a medical or hardship hold while aid processes: Keep names, dates, and confirmation numbers. If you live in a city with hardship funds (e.g., West Jordan), apply immediately through the city’s page and bring your HEAT receipt. (westjordan.utah.gov)

What to do if this doesn’t work: Ask your loan officer whether seller credits can offset closing costs and free up cash for arrears, and request a one‑time extension of rate lock if utility aid is pending. Use 211 Utah to find rapid funds today. (211utah.org)

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Diverse Communities: Tailored Guidance and Resources

LGBTQ+ single mothers: Use HUD Utah counselors to compare lenders and ensure Equal Credit Opportunity compliance, and consider Provo DPA or Davis County DPA for strong local support. If you encounter discrimination, report it to Utah Division of Real Estate. (hud.gov)

Single mothers with disabilities or with disabled children: Ask for large‑print forms or mailed packets from Provo or Ogden; relay services (711) are accepted, and UT Spanish Relay 1-888-346-3162 is posted in Provo. Consider USDA 502 Direct (payment assistance) via USDA Utah. (provo.gov)

Veteran single mothers: Leverage 0% down VA Home Loans, and still ask cities like West Jordan and Provo if DPA funds can cover closing costs. For VA loan support, call 1-877-827-3702 and review 2025 program updates at VA News. (benefits.va.gov)

Immigrant and refugee single moms: Many programs accept ITINs; verify with your lender and city DPA office. Use HUD Utah counselors and 211 Utah for language access. Provo posts UT Spanish Relay; Ogden lists clear document steps. (hud.gov)

Tribal‑specific resources: If you’re a member of a federally recognized tribe, explore HUD Section 184 loans (low down payment, flexible underwriting) with a participating lender; this can be paired with some local supports. For help navigating, contact HUD ONAP. (hud.gov)

Rural single moms: Zero‑down USDA 502 Direct can be a game‑changer; the Utah state office is at 1-801-524-4320. See if Washington, Iron, or Cache counties have local DPA or REALTOR® grants like REACH in Washington County. (rd.usda.gov)

Single fathers: Most programs are household‑based, not gender‑based. You can access Provo DPA, Davis County, and UHC programs without restriction. Use USU Homebuyer Education to strengthen underwriting. (provo.gov)

Language access: Ask every office for interpreter services. UT Relay 711 and UT Spanish Relay (1-888-346-3162) are listed on Provo’s site; 211 Utah supports multiple languages by phone, chat, and text. (provo.gov)

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Resources by Region — Where to Start

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Quick Reference Cheat Sheet

Situation First Call Backup
Buying new construction ≤$450k UHC / Lender for $20k reservation Davis County/Provo/West Jordan DPA / Provo DPA / West Jordan DPA (utahhousingcorp.org)
Short on down payment outside city grants UHC DPA Second USDA 502 / HUD counselors (fha.com)
Rural property USDA Utah UHC DPA / local REALTOR® grants like REACH (rd.usda.gov)
VA‑eligible VA Home Loans City/county DPA for closing costs; Provo or West Jordan (benefits.va.gov)
Need a coach to map options USU Online Course CDCU counseling / NeighborWorks SLC (extension.usu.edu)

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Application Checklist — Detailed (What Underwriters Want to See)

  • IDs for all adults on title: Driver’s license, Permanent Resident Card, or passport; Social Security cards. Check program pages like Provo DPA for exact documentation. (provo.gov)
  • Income: Pay stubs (last 60–90 days), federal tax returns (2–3 years), W‑2s/1099s; self‑employed: YTD P&L and 2 years business returns. Utah cities follow HUD income verification. (hud.gov)
  • Assets: Bank/retirement statements (60–90 days); note any large deposits with a signed gift letter if applicable. Provo caps post‑closing liquid assets; see Provo criteria. (provo.gov)
  • Contract & disclosures: Executed REPC, all addenda, appraisal, and inspection reports as required by city (Ogden requires safety fixes before commitment). Ogden program page lists inspection expectations. (council.ogdencity.com)
  • Education & counseling: Certificates from USU or HUD‑listed agencies; keep the certificate within the validity window lenders expect. (extension.usu.edu)

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Troubleshooting: If Your Application Gets Denied

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Real‑World Examples (How Single Moms Stack Programs)

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Table — Documents You’ll Likely Sign (Know What They Are)

Document What It Does Where You’ll See It
DPA Promissory Note Your legal promise to repay (or conditions for forgiveness) All DPA programs like Provo and Ogden (provo.gov)
Deed of Trust (2nd/3rd) Places a lien for the DPA on your property City/county DPAs; UHC DPA second mortgage (utahhousingcorp.org)
Affordability Covenant Sets your occupancy period and forgiveness schedule Provo; West Jordan (provo.gov)
Inspection Clearance Confirms safety/lead fixes before funds Ogden; SLC rehab programs (council.ogdencity.com)

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Local Organizations, Charities, Churches, and Support Groups

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FAQs — Utah Single‑Mom Homebuyer Questions (2025)

How much can I actually get toward a down payment in Utah in 2025: Depending on location and program, 20,000fromthestate(newconstruction)plusupto20,000 from the state (new construction) plus up to 50,000 from Davis County, 60,000in∗[Provo](https://www.provo.gov/705/Down−Payment−Assistance−Loan−Programs)∗,or60,000 in *[Provo](https://www.provo.gov/705/Down-Payment-Assistance-Loan-Programs)*, or 7,500 in West Jordan. Some buyers also add a UHC DPA second. Verify stacking rules with your lender. (law.justia.com)

Is the $20,000 state program a grant: No. It’s a 0% interest, payment‑free loan you repay at sale or refinance (capped by equity rules). See Utah Code §63H‑8‑502 and budget notes at Utah Legislature. (law.justia.com)

How long does city DPA take: Ogden lists 15–20 business days for complete files and five days for wires; Provo lists 3–4 weeks. Always buffer your closing date. See Ogden and Provo. (council.ogdencity.com)

Do I have to be a first‑time buyer: Many programs define first‑time as no ownership in the past 3 years. Ogden allows all buyers if other criteria are met; Provo, Davis County, West Jordan use HUD income rules. Confirm with each program page. (council.ogdencity.com)

Can I use DPA with USDA or VA: Yes, if the DPA rules allow and the lender approves. Start at USDA Utah and VA Home Loans; ask your city if funds can cover closing costs. (rd.usda.gov)

Where do I find a HUD‑approved class: USU’s online course (English/Spanish) and local agencies listed at HUD Utah Education. (extension.usu.edu)

Who do I call if a lender or agent treats me unfairly: File at CFPB Submit a Complaint (mortgages) and with Utah Division of Real Estate for state enforcement. (consumerfinance.gov)

Do programs have language access: Yes—ask for interpretation; UT Relay 711 is accepted. Provo lists UT Spanish Relay (1‑888‑346‑3162). 211 Utah supports multiple languages by phone and chat. (provo.gov)

My funds fell through—how do I regroup: Call 211 Utah to find emergency assistance, ask your lender to pivot to UHC DPA or USDA/VA, and re‑apply next cycle for city DPA (Ogden resets July 1; SLC varies through NeighborWorks). (211utah.org)

Are there DPA options in Washington County: Watch REACH $5,000 grants and pair with USDA 502. Confirm openings each season. (washingtoncountyrealtors.com)

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Spanish Summary — Resumen en Español (traducción por IA)

  • Programas principales: Hasta 20,000delestadoparacasasnuevas≤20,000 del estado para casas nuevas ≤450,000 vía UHC; Provo hasta 60,000/60,000/40,000; Condado de Davis hasta 50,000;∗[Ogden](https://council.ogdencity.com/259/Own−in−Ogden)∗hasta50,000; *[Ogden](https://council.ogdencity.com/259/Own-in-Ogden)* hasta 10,000. (utahhousingcorp.org)
  • Educación: Curso en línea de USU (inglés/español) y agencias de HUD Utah. (extension.usu.edu)
  • Ayuda rural y veteranas: USDA 502 0% inicial en zonas rurales; VA Home Loans 0% para elegibles. (rd.usda.gov)
  • Acceso al idioma: Llame a 211 (1‑888‑826‑9790) 211 Utah; UT Spanish Relay 1‑888‑346‑3162 aparece en Provo. (211utah.org)
  • Nota: Verifique fondos y reglas antes de aplicar; los programas cambian por temporada y presupuesto.

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About This Guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

Last verified: September 2025, next review January 2026.

This guide is produced based on our Editorial Standards using only official sources, regularly updated and monitored, but not affiliated with any government agency and not a substitute for official agency guidance. Individual eligibility outcomes cannot be guaranteed. Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours.

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Disclaimer

This content is for general information in Utah as of September 2025. Program availability, amounts, and rules change without notice and often vary by city, property, and funding cycle. Always confirm current terms directly with the administering agency, a participating lender, and a HUD‑approved housing counselor before making decisions. For complaints or suspected discrimination, use CFPB Submit a Complaint and Utah Division of Real Estate. (consumerfinance.gov)

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What to Do If This Still Doesn’t Work

If the programs above are tapped out or your timeline is too tight:

  • Switch to a USDA 502 Direct/Guaranteed path: Zero down if the property is eligible and you meet income guidelines; call the USDA Utah State Office at 1‑801‑524‑4320 to find your area contact. (rd.usda.gov)
  • Re‑work the deal: Ask for seller credits toward closing costs, a builder buydown, or a price reduction if you’re using the state $20,000. The law bars builders from increasing price just because you use state funds; see Utah Code §63H‑8‑502(5). (law.justia.com)
  • Pause 30–60 days and come back with a complete file: During the pause, finish USU’s course, pay down a small balance to improve your DTI, and pre‑collect every document on the checklist so your next submission moves first. (extension.usu.edu)

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One Last Tip

Keep a simple “proof packet” (PDF) with your ID, income docs, bank statements, education certificate, signed contract, and lender pre‑approval. When a program window opens, you can submit in minutes — not weeks — and move to the front of the line.

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