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?
Law enforcement officers, Correctional officers
What support do you get?
Program amount: up to $25,000. It may be used for down payment, closing costs, mortgage insurance, or mortgage interest rate buydown.
Do you repay it?
No payment or interest applies. A pro-rata portion is forgiven over 5 years while the officer remains employed in Utah as a law enforcement or correctional officer and occupies the home as a primary residence. If the home is sold before 60 months and the officer continues to be an eligible employee, no amount is due at sale. If the home is sold before 60 months and the officer is no longer an eligible employee, the required prorated amount is due in cash at sale. If the officer leaves eligible employment while still owning the home, the required prorated amount is repaid in equal monthly payments over 5 years with no interest, beginning after the 61st first-mortgage payment.
How do you apply?
Work with a Utah Housing approved participating lender. After pre-qualification, the lender requests a reservation from Utah Housing; once approved, Utah Housing issues a Commitment Letter and the title company requests funds at least 3 business days before closing.
Application timing
After pre-qualification, the lender requests a reservation from Utah Housing; once approved, Utah Housing issues a Commitment Letter and the title company requests funds at least 3 business days before closing.
Official source evidence
Utah Housing says this State of Utah assistance program gives eligible law enforcement and correctional officers up to $25,000 of no-payment, no-interest assistance for down payment and closing costs and forgives a pro-rata share over 5 years while the officer remains employed and owner-occupies the home. The official disclosure says the first mortgage must be a Utah Housing loan requested through an approved lender.
View official source
Last verified
2026-04-13
UHC Form 513 Rev. 02/14/2025
Paid preview
What paid access adds for Utah First-Time Homebuyer Law Enforcement Officer Assistance Program
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
Utah First-Time Homebuyer Law Enforcement Officer Assistance Program
Amount: Program amount: up to $25,000. It may be used for down payment, closing costs, mortgage insurance, or mortgage interest rate buydown.
Repayment: No payment or interest applies. A pro-rata portion is forgiven over 5 years while the officer remains employed in Utah as a law enforcement or correctional officer and occupies the home as a primary residence. If the home is sold before 60 months and the officer continues to be an eligible employee, no amount is due at sale. If the home is sold before 60 months and the officer is no longer an eligible employee, the required prorated amount is due in cash at sale. If the officer leaves eligible employment while still owning the home, the required prorated amount is repaid in equal monthly payments over 5 years with no interest, beginning after the 61st first-mortgage payment.
First-time buyer: Required
Timing: After pre-qualification, the lender requests a reservation from Utah Housing; once approved, Utah Housing issues a Commitment Letter and the title company requests funds at least 3 business days before closing.
Risk checks preview
What gets flagged before you call a lender
- Utah First-Time Homebuyer Law Enforcement Officer Assistance Program requires a participating lender.
- Utah First-Time Homebuyer Law Enforcement Officer Assistance Program must be paired with a specific first mortgage.
Lender questions preview
Questions tied to this exact path
- Is your team approved to originate Utah First-Time Homebuyer Law Enforcement Officer Assistance Program for this household and loan setup?
- Which first-mortgage product must be paired with Utah First-Time Homebuyer Law Enforcement Officer Assistance Program, and what breaks eligibility?
Action checklist preview
What you would do next
- Confirm the first-time buyer definition before you apply
- Review the official Program guide for Utah First-Time Homebuyer Law Enforcement Officer Assistance Program
