Home Buyer Grants and No-Down Payment Programs for Beaver County

3% Down Grant

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  • No first time home buyer requirement.
  • 3% Grant for down payment up to $15,000.
  • 80% AMI.
  • Silent 2nd that is repaid when you refinance or sell.
  • No payments and no interest due.
  • Min FICO of 620.
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3% Down Grant for First Time Home Buyers

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  • Must be a first time home buyer.
  • 3% Grant for down payment up to $15,000.
  • No income restrictions.
  • Silent 2nd that is repaid when you refinance or sell.
  • No payments and no interest due.
  • Min FICO of 700.
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Settlers Fund Grant for Beaver County

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Grant Amount: Provides 3.5% of the home's purchase price.

Repayment: Grant does not need to be repaid after 36 on-time mortgage payments.

Eligibility:

  • Available for purchases anywhere in Beaver County.
  • Must be an owner-occupied, single-family home, townhome, or condo.
  • Manufactured homes are not eligible.
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Borrow Smart Grant for Beaver County

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Grant Amount: Up to $2,500.

Eligibility:

  • First-time homebuyers only (no homeownership in the last 3 years).
  • Applies to 1-unit principal residences including condos, PUDs, and manufactured homes (excluding mobile homes).
  • Mandatory home-ownership education course required.
  • Can be combined with other grant programs.
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Home Empowered Beaver County Grant

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Grant Amount: Up to 3.5% of the home purchase price.

Repayment: This is a true grant that never requires repayment.

Eligibility:

  • Open to any property in Beaver County used as a primary residence.
  • Includes single-family homes, townhomes, condos, and duplexes.
  • Manufactured homes on owned land are eligible.
  • Applicants must meet at least one of the following criteria:
  • First-time homebuyer.
  • Single parent.
  • Employed, retired, or volunteer in essential services (e.g., first responders, educators, medical staff, civil servants).
  • Income at 140% of the AMI index.
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Chickasaw Grant Money for Beaver County

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Grant Amount: A one-time grant of up to $3,000 for down payment and/or closing costs.

Eligibility:

  • Must be a Chickasaw Nation citizen.
  • Included on the loan application.
  • Approved for a home loan for a primary residence without other owned investment properties.
  • Non-cash-out refinances only.
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Rural No-Money Down Program

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Details: Offers 100% financing for homes in designated rural areas, including all of Beaver County.

Eligibility: Subject to income limits based on household size, typically accommodating a broad range of incomes.

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Utah Housing First Time Buyer Program

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Details: Ideal for first-time buyers with no down payment required if using a secondary loan to cover 3.5% down payment and up to 2.5% in closing costs.

Eligibility:

  • Income limits apply ($101,000 for 1-2 people, $116,150 for 3+).
  • Minimum credit score of 660.
  • Special exceptions for single parents and displaced homemakers.
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Utah Housing FHA Zero Down

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Details: Provides zero down payment options through secondary financing.

Eligibility:

  • No first-time homebuyer requirement.
  • Income limits up to $141,400.
  • Credit score of at least 620.
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Conventional Zero Down

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Details: Allows financing of both down payment and closing costs through secondary loans.

Eligibility:

  • Income limit of $141,400.
  • Minimum credit score of 700.
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VA Loan Program

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Details: No down payment required for veterans and their eligible dependents.

Eligibility:

  • Service requirements (90 days active duty or 181 days during peacetime).
  • Must use the home as a primary residence.
  • Spouses, widows, and widowers of eligible service members may also qualify.
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The Chenoa Fund

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Offers up to 3.5% of the purchase price for 1-2 unit properties through three distinct programs: a Grant/Gift, a Forgivable Second, or a Repayable Second. Notably, the Repayable Second option does not have income restrictions, making it accessible to a wider range of homebuyers.

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The Utah Housing Corporation Loan

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Provides substantial down payment assistance, offering between 4% and 6% of the purchase price. Eligible buyers can choose from several programs tailored to their needs, including FirstHome, HomeAgain, Score, and NoMI, each designed to facilitate homeownership in Utah.

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The Rural Housing Program

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Offers 100% financing. This program is widely available throughout most of the county, providing an invaluable resource for purchasing a home with no down payment required.

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Ready to explore loan programs in Beaver County?

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Contact Ultimate Home Lending at 801-923-4463 or email us at jacinda@ultimatehomelending.com for more information on loan programs available in Beaver County, Utah.