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

• 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: 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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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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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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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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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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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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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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Benefits: Includes financing for down payment and closing costs.

Restrictions:

• Income and credit score requirements must be met.

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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:

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.