Home Buyer Grants and No-Down Payment Programs for Carbon County (Heiner, Helper, Price, Scofield, Wellington)

Click on any program to apply or click on "Apply Now."

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 repayed when you refinance or sell.
  • No payments and no interest due.
  • Min FICO of 620.
Apply Now

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 repayed when you refinance or sell.
  • No payments and no interest due.
  • Min FICO of 700.
Apply Now

Settlers Fund Grant for Carbon County

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

Repayment: None required after 36 on-time payments.

Eligibility:

  • Available for homes anywhere in Carbon County.
  • Must be owner-occupied.
  • Applies to single-family homes, townhomes, or condos.
  • Manufactured homes are not eligible.
Apply Now

Borrow Smart Grant for Carbon County

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Grant Amount: Up to $2,500.

Eligibility:

  • No home ownership in the last 3 years.
  • For 1-unit principal residences, including up to 4-unit buildings, condos, PUDs, or manufactured homes (excluding mobile homes).
  • Homeownership education required (contact us for program details).
  • Can be combined with other grant programs.
Apply Now

Home Empowered Grant for Carbon County

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

Repayment: None required.

Eligibility:

  • Must be an owner-occupied home in Carbon County.
  • Applies to single-family homes, townhomes, condos, or duplexes.
  • Manufactured homes on owned land are eligible.
  • Qualification Criteria: Must meet at least one of the following:
  • 1. First-time home buyer.
  • 2. Single parent.
  • 3. Currently employed, retired, or a volunteer in essential services (e.g., first responders, educators, medical staff).
  • 4. Income at 140% of the AMI index (assistance available).
Apply Now

Chickasaw Grant for Carbon County

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

Eligibility:

  • Must be a citizen of the Chickasaw Nation.
  • Included on the loan application and approved for a home loan.
  • For primary residences only; no investment properties.
  • Non-cash-out refinancing only.
Apply Now

Rural No-Money Down Program

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Benefit: Provides 100% financing for homes in designated rural areas.

Details:

  • Available across Carbon County.
  • Liberal income limits based on household size.
Apply Now

Utah Housing First Time Buyer Program

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Benefit: No initial money down; secondary loans cover up to 3.5% down payment and 2.5% of closing costs.

Eligibility:

  • No home ownership in the last 3 years.
  • Income and credit score requirements apply.
  • Properties include single-family homes, twins, manufactured PUDs, or condos.
Apply Now

FHA and Conventional Zero Down Programs

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FHA Zero Down:

Eligibility: Not restricted to first-time buyers; income and credit score limits apply.

Conventional Zero Down:

Details: Includes financing for down payment and closing costs.

Eligibility: Income and credit score thresholds must be met.

Apply Now

VA Loan Program

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

Eligibility:

  • Served a minimum required period in the military with honorable conditions.
  • Intended for primary residences.
Apply Now

Chenoa Fund

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

Available Options:

  • Grant/Gift: Immediate financial support without repayment.
  • Forgivable Second: Becomes a gift contingent on specific conditions.
  • Repayable Second: Offers repayment flexibility with no income restrictions.
Apply Now

Utah Housing Corporation Loan

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Assistance Range: Offers between 4%-6% of the purchase price as down payment aid.

Program Selections:

  • FirstHome: Tailored for first-time buyers.
  • HomeAgain: For those re-entering the housing market.
  • Score: Aids those with unique credit histories.
  • NoMI: Provides reduced mortgage insurance options.
Apply Now

Rural Housing Program

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Offering: Delivers 100% financing, an excellent opportunity for rural home ownership.

Availability: Extensively accessible throughout much of the county, promoting broader homeownership opportunities.

Apply Now

These programs are crafted to make purchasing a home more attainable and financially manageable. For more details or to apply, reach out to us today.

Get Started!

Take advantage of the grants and loan programs in Carbon County to fuel your aspirations and drive progress in the community. Contact us for more information on how to apply and benefit from these opportunities.