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Utah program

First-Time Homebuyer Assistance Program under Utah Code 63H-8-502

Utah route through Utah Housing Corporation. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred second mortgage Deferred due on exit 2026-04-19
Agency Utah Housing Corporation
Support type Deferred second mortgage
Amount highlight Up to $20,000 in assistance for down payment, closing costs, and/or a permanent interest-rate buydown on a qualifying mortgage loan.
Last verified 2026-04-19

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New construction only

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

This Utah statewide assistance line is not a general resale-home program. The official FAQ says it is limited to newly built homes and uses a statutory repayment formula on sale or refinance.

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Amount

Up to $20,000 in assistance for down payment, closing costs, and/or a permanent interest-rate buydown on a qualifying mortgage loan.

Type

Deferred second mortgage

Repayment

The program loan is a 0% interest, no monthly payment loan. If the home is sold or the qualifying mortgage is refinanced, the recipient repays the lesser of the assistance received or 50% of the home equity amount, unless the program loan is resubordinated to a new qualifying mortgage loan.

First-time buyer

Required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

First-time homebuyers as defined by the Utah Housing first-time assistance definition sheet, Utah residents who have lived in Utah for at least 12 months before closing, Buyers using a qualifying Utah Housing mortgage loan for eligible newly built homes

What support do you get?

Up to $20,000 in assistance for down payment, closing costs, and/or a permanent interest-rate buydown on a qualifying mortgage loan.

Do you repay it?

The program loan is a 0% interest, no monthly payment loan. If the home is sold or the qualifying mortgage is refinanced, the recipient repays the lesser of the assistance received or 50% of the home equity amount, unless the program loan is resubordinated to a new qualifying mortgage loan.

How do you apply?

Credit-qualify with a Utah Housing participating lender for a Utah Housing mortgage loan, then have the lender submit the program reservation request. The assistance may also be combined with Utah Housing's DPA Second, in which case the program deed of trust records in third lien position.

Application timing

Utah Housing reviews reservation submissions in 2-3 business days; approved reservations last 90 days, may be extended in 120-day increments, and closing/wire documents must be submitted several business days before closing.

Official source evidence

Utah Housing's FAQ says the First-Time Homebuyer Assistance Program offers up to $20,000 for new construction, uses a 0% interest no-monthly-payment loan, requires a Utah Housing participating lender, and can require repayment of the lesser of the assistance received or 50% of home equity upon sale or refinance.

View official source

Last verified

2026-04-19

2025-05-07

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Comparison preview

First-Time Homebuyer Assistance Program under Utah Code 63H-8-502

Amount: Up to $20,000 in assistance for down payment, closing costs, and/or a permanent interest-rate buydown on a qualifying mortgage loan.

Repayment: The program loan is a 0% interest, no monthly payment loan. If the home is sold or the qualifying mortgage is refinanced, the recipient repays the lesser of the assistance received or 50% of the home equity amount, unless the program loan is resubordinated to a new qualifying mortgage loan.

First-time buyer: Required

Timing: Utah Housing reviews reservation submissions in 2-3 business days; approved reservations last 90 days, may be extended in 120-day increments, and closing/wire documents must be submitted several business days before closing.

Risk checks preview

What gets flagged before you call a lender

  • First-Time Homebuyer Assistance Program under Utah Code 63H-8-502 requires a participating lender.
  • First-Time Homebuyer Assistance Program under Utah Code 63H-8-502 can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate First-Time Homebuyer Assistance Program under Utah Code 63H-8-502 for this household and loan setup?
  • Which events trigger repayment for First-Time Homebuyer Assistance Program under Utah Code 63H-8-502: sale, refinance?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official Program FAQ for First-Time Homebuyer Assistance Program under Utah Code 63H-8-502
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