Home Buyer Grants and No-Down Payment Programs for Daggett County (Carbonville, Manilla)

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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.
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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 repayed when you refinance or sell.
  • No payments and no interest due.
  • Min FICO of 700.
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Settlers Fund Grant for Daggett County

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

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

Eligibility:

  • Must be used for a home purchase anywhere in Daggett County.
  • Applies to owner-occupied, single-family homes, townhomes, or condos.
  • Manufactured homes are excluded.
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Borrow Smart Grant for Daggett County

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Grant Amount: Up to $2,500.

Eligibility:

  • No homeownership in the last 3 years.
  • For 1-4 unit principal residences, including condos, PUDs, or manufactured homes (excluding mobile homes).
  • Mandatory homeownership education for first-time buyers.
  • Can be combined with other grant programs.
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Home Empowered Grant for Daggett County

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

Repayment: This grant does not require repayment.

Eligibility:

  • Available for homes anywhere in Daggett County.
  • Must be owner-occupied and can include single-family homes, townhomes, condos, or duplexes.
  • Manufactured homes on owned land are acceptable.
  • Qualification: Eligible for first-time homebuyers, single parents, or those employed in essential services, among other criteria.
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Chickasaw Grant Money for Daggett 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 and on the loan application.
  • Approved for a home loan, for primary residences only.
  • No investment properties or cash-out refinancing.
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Rural No-Money Down Program

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

Details: Liberal income limitations based on household size, available throughout Daggett County.

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Utah Housing First Time Buyer Program

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Benefits: No money down through secondary loans covering up to 3.5% down payment and 2.5% of closing costs.

Eligibility:

  • No home ownership in the last 3 years; exceptions for single parents or displaced homemakers.
  • Income and credit score requirements must be met.
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Utah Housing FHA Zero Down

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Details: Financing includes down payment and closing costs through secondary loans.

Restrictions:

  • Income limits apply.
  • No requirement to be a first-time homebuyer.
  • Applies to single-family homes, twins, manufactured PUDs, condos, or duplexes.
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Conventional Zero Down

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Benefits: Includes financing for down payment and closing costs.

Restrictions:

  • Income and credit score requirements must be met.
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VA Loan Program

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

Eligibility:

  • Must have served the required minimum days in the military with honorable conditions.
  • For primary residences only.
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Explore our tailored homebuyer assistance programs, designed to make home ownership more accessible across our community

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Explore our tailored homebuyer assistance programs, designed to make home ownership more accessible across our community:

1. Chenoa Fund

Assistance Offered: Up to 3.5% of the home purchase price for 1-2 unit properties.

Program Options:

  • Grant/Gift: Immediate financial assistance that doesn’t require repayment.
  • Forgivable Second: Loan that can be forgiven under certain conditions.
  • Repayable Second: Flexible repayment terms with no income restrictions.

2. Utah Housing Corporation Loan

Down Payment Assistance: Receive between 4% to 6% of the purchase price to help with your down payment.

Program Choices:

  • FirstHome: Ideal for first-time homebuyers.
  • HomeAgain: Perfect for those re-entering the housing market.
  • Score: Specifically designed for buyers with unique credit situations.
  • NoMI: Offers the benefit of reduced mortgage insurance costs.

3. Rural Housing Program

Financing Benefit: Offers 100% financing, a significant advantage for home purchases in designated rural areas of the county.

Each of these programs is crafted to provide significant financial support to potential homeowners, whether you are buying your first home, returning to the housing market, or seeking flexible financing solutions in rural locations. For more details or to apply, please contact 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.