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Utah program

UHC Down Payment Assistance Subordinate Mortgage (DPA Second)

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.

Multiple assistance options Multiple repayment paths 2026-04-19
Agency Utah Housing Corporation
Support type Multiple assistance options
Amount highlight Two statewide second-mortgage paths: a Traditional DPA loan up to 6% of the first mortgage amount, and a Deferred DPA loan up to 3.5% of the first mortgage amount, with each path capped at $27,500.
Last verified 2026-04-19

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Choose traditional or deferred path first

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

This statewide Utah Housing line is really two second-mortgage structures. The payment behavior is very different depending on which path the lender reserves.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Utah program hub if you need the wider state context.

Amount

Two statewide second-mortgage paths: a Traditional DPA loan up to 6% of the first mortgage amount, and a Deferred DPA loan up to 3.5% of the first mortgage amount, with each path capped at $27,500.

Type

Multiple assistance options

Repayment

The Traditional DPA path is a 30-year fixed-rate, fully amortizing second mortgage with monthly payments. The Deferred DPA path is a 30-year fixed-rate second mortgage at 3.5% deferred simple interest with no monthly payment, and the outstanding principal and deferred interest become due at maturity, sale, or refinance.

First-time buyer

Not 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 using an eligible UHC first mortgage, Repeat buyers using an eligible UHC first mortgage, Borrowers who meet FHA, VA, or Conventional guidelines for a concurrent UHC first mortgage

What support do you get?

Two statewide second-mortgage paths: a Traditional DPA loan up to 6% of the first mortgage amount, and a Deferred DPA loan up to 3.5% of the first mortgage amount, with each path capped at $27,500.

Do you repay it?

The Traditional DPA path is a 30-year fixed-rate, fully amortizing second mortgage with monthly payments. The Deferred DPA path is a 30-year fixed-rate second mortgage at 3.5% deferred simple interest with no monthly payment, and the outstanding principal and deferred interest become due at maturity, sale, or refinance.

How do you apply?

Use a Utah Housing approved participating lender, close the DPA Second concurrently with an eligible UHC first mortgage, and follow Utah Housing lender, state, and federal requirements for the chosen DPA path.

Application timing

UHC does not pre-approve the DPA Second before closing; its rate locks with the UHC first mortgage, the lender funds it before recording, and UHC purchases it with the first mortgage after post-closing review.

Official source evidence

Utah Housing's Form 310 says the DPA Second may be combined with any eligible UHC first mortgage, offers a Traditional DPA path up to 6% and a Deferred DPA path up to 3.5% of the first mortgage amount, and states that the deferred path has no monthly payment with payoff due at maturity, sale, or refinance.

View official source

Last verified

2026-04-19

Effective date not captured.

Paid preview

What paid access adds for UHC Down Payment Assistance Subordinate Mortgage (DPA Second)

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

UHC Down Payment Assistance Subordinate Mortgage (DPA Second)

Amount: Two statewide second-mortgage paths: a Traditional DPA loan up to 6% of the first mortgage amount, and a Deferred DPA loan up to 3.5% of the first mortgage amount, with each path capped at $27,500.

Repayment: The Traditional DPA path is a 30-year fixed-rate, fully amortizing second mortgage with monthly payments. The Deferred DPA path is a 30-year fixed-rate second mortgage at 3.5% deferred simple interest with no monthly payment, and the outstanding principal and deferred interest become due at maturity, sale, or refinance.

First-time buyer: Not required

Timing: UHC does not pre-approve the DPA Second before closing; its rate locks with the UHC first mortgage, the lender funds it before recording, and UHC purchases it with the first mortgage after post-closing review.

Risk checks preview

What gets flagged before you call a lender

  • UHC Down Payment Assistance Subordinate Mortgage (DPA Second) requires a participating lender.
  • UHC Down Payment Assistance Subordinate Mortgage (DPA Second) can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate UHC Down Payment Assistance Subordinate Mortgage (DPA Second) for this household and loan setup?
  • Which events trigger repayment for UHC Down Payment Assistance Subordinate Mortgage (DPA Second): sale, refinance, term_maturity?

Action checklist preview

What you would do next

  • Review the official Form 310 program guide for UHC Down Payment Assistance Subordinate Mortgage (DPA Second)
  • Ask whether your lender is approved for this exact program and loan structure.
Open the full Utah board

Paid research preview

What paid research already covers in Utah

Paid research already tracks city and county programs, employer-assisted paths for Utah.

3 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

2 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

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Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

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Full state board

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