Home Buyer Grants and No-Down Payment Programs for Box Elder County (Brigham City, Honeyville, Mantua, Perry, Tremonton, Willard)

• 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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Grant Amount: $2,000 if approved before making an offer; $1,600 if approved after.

Eligibility:

• First-time homeowners (no homeownership in the last 3 years).
• Must invest a minimum of $500 of personal funds into the home purchase.
• Completion of a housing counseling program is required (contact us for details).
• Income limits apply, based on household size.
• Home must be located within Box Elder County.

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Grant Benefits: Offers 3.5% of the home purchase price.

Repayment: No repayment required after 36 on-time payments.

Eligibility:

• Must be an owner-occupied residence.
• Applicable to single-family homes, townhomes, or condos.
• Manufactured homes are excluded.

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Grant Amount: Up to $2,500.

Eligibility:

• No prior homeownership in the last 3 years.
• Must be a 1-unit principal residence, including condos, PUDs, or manufactured homes (excluding mobile homes).
• First-time homebuyers must complete a homeownership education program.
• Grants can be combined with other programs.

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Grant Benefits: Provides up to 3.5% of the purchase price.

Repayment: This is a non-repayable grant.

Eligibility:

• Purchase location anywhere in Box Elder County.
• Must be an owner-occupied single-family home, townhome, condo, or duplex.
• Includes manufactured homes on owned land.
• Eligible applicants include first-time buyers, single parents, essential service workers, or those meeting certain income criteria.

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Grant Amount: Up to $3,000 for down payment or closing costs on purchases or refinances.

Eligibility:

• Must be a Chickasaw Nation citizen and on the loan application.
• Approved for a home loan for a primary residence without other owned investment properties.
• Excludes cash-out refinances.

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Program Benefits: 100% financing for homes in designated rural areas.

Eligibility:

• Entire county of Box Elder qualifies.
• Income limitations based on household size, but generally liberal.

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Benefits: Little to no down payment required; costs can be covered by secondary loans.

Eligibility:

• Includes options for previous homeowners or those exceeding first-time buyer income limits.
• Various property types eligible, including single-family homes and duplexes.
• Income and credit score requirements apply.

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Program Benefits: Finance down payment and closing costs through secondary loans.

Eligibility:

• No income cap restrictions, but must meet credit criteria.
• Not limited to first-time buyers.
• Excludes manufactured housing.

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Program Benefits: No down payment required for veterans or their eligible dependents.

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Overview: Offers up to 3.5% of the purchase price for 1-2 unit properties.

Program Options:

• Grant/Gift
• Forgivable Second
• Repayable Second (with no income restrictions).

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Assistance Range: Provides 4%-6% of the purchase price for down payment assistance.

Program Choices:

• FirstHome
• HomeAgain
• Score
• NoMI

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Benefits: Delivers 100% financing, making it an exceptional opportunity for eligible residents.

Availability: Extensively available across the county, designed to promote rural homeownership.

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