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

• 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.

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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.

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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.

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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).

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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