Bootcamp For Buyers

First Time Homebuyer Programs in Utah

Utah offers a variety of first-time homebuyer programs through the Utah Housing Corporation (UHC) to make homeownership more attainable. These programs provide financial assistance, competitive loans, and resources tailored for new buyers.

FirstHome Loan Program

The FirstHome Loan Program offers affordable fixed-rate mortgages for eligible first-time buyers.

  • Provides 30-year fixed-rate loans with competitive interest rates.
  • Designed for low- to moderate-income first-time homebuyers.
  • Income and purchase price limits apply, based on location and household size.

HomeAgain Loan Program

The HomeAgain Loan Program supports buyers who may not meet traditional first-time homebuyer definitions.

  • Offers competitive fixed-rate loans for repeat buyers and those refinancing.
  • Includes down payment assistance options.
  • Flexible income limits apply.

Score Loan Program

The Score Loan Program provides down payment assistance to buyers with less-than-perfect credit.

  • Assistance of up to 4% of the total loan amount is available.
  • Structured as a second mortgage with low monthly payments.
  • Can be paired with FirstHome or HomeAgain loans.

Utah’s first-time homebuyer programs are designed to make homeownership more affordable and accessible. Explore these options to find the right program for your needs and take the first step toward owning your dream home in the Beehive State.