First-time buyer programs
First-time home buyer programs in Utah
Utah's first-time-buyer help is run by Utah Housing Corporation. These programs can lower your rate, cover part of your down payment and closing costs, and give you a mortgage tax credit. Here's what's offered, who qualifies, and where to apply.
Who runs the programs in Utah
What these programs offer
First-mortgage programs. Competitively-priced 30-year fixed loans, often layered on FHA, VA, USDA, or conventional financing, offered through a network of approved lenders.
Down-payment & closing-cost assistance. Help with your upfront cash, delivered as a grant or as a second/deferred loan that is low-interest or forgivable if you stay in the home for a set number of years.
Mortgage Credit Certificate (MCC). A federal tax credit on a portion of the mortgage interest you pay each year, offered by many (not all) agencies.
Homebuyer education. A HUD- or agency-approved homebuyer course, usually required before closing when you use an assistance program.
Who typically qualifies
- “First-time buyer” usually means you haven’t owned a primary residence in the last 3 years (veterans and buyers in targeted areas are often exempt).
- Income limits apply and are set by the agency — updated periodically, usually each year.
- Purchase-price or loan limits apply and are also updated periodically.
- You’ll typically need to use a lender approved by the agency.
- A homebuyer-education course is often required before closing.
Agency details last verified 2026-07-18.
First, know your numbers
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