Utah program
Utah First-Time Homebuyer Law Enforcement Officer Assistance Program
Utah ยท Utah Housing Corporation
Quick answer
What this program appears to offer
Program amount: up to $25,000. It may be used for down payment, closing costs, mortgage insurance, or mortgage interest rate buydown.
Forgivable assistance program
Forgivable assistance program
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.
Required
Trust layer
Program structure and lender rules
These fields stay free because they describe the official program rules, not a paid decision layer.
Required
Required
5 years (60 months)
sale, non owner occupancy
Who qualifies
Law enforcement officers, Correctional officers
What support 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 to 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.
Direct official links
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.
Official documents
Last verified
2026-04-13
UHC Form 513 Rev. 02/14/2025