Home Buyer Grants and No-Down Payment Programs for Duchesne County (Duchesne, Mountain Home, Roosevelt)

• 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

Benefit: Provides 3.5% of the home purchase price.

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

Eligibility:

• Available for purchases anywhere in Duchesne County.
• Must be an owner-occupied single-family home, townhome, or condo.
• Manufactured homes are excluded.

Apply Now

Grant Amount: Up to $2,500.

Eligibility:

• First-time homebuyers who have not owned a home in the last 3 years.
• Applicable to 1-4 unit principal residences, including condos, PUDs, or manufactured homes (excluding mobile homes).
• Homeownership education required.
• Can be combined with other grant programs.

Apply Now

Benefit: Up to 3.5% of the purchase price.

Repayment: This is a non-repayable grant.

Eligibility:

• Must be an owner-occupied property (no investment properties).
• Applies to single-family homes, townhomes, condos, or duplexes.
• Manufactured homes on owned land are eligible.
• Qualification Criteria: Open to first-time buyers, single parents, or those working in essential services among other categories.

Apply Now

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

Eligibility:

• Must be a citizen of the Chickasaw Nation.
• Must be on the loan application and approved for a home loan.
• Only for primary residences; no investment properties.
• If refinancing, the loan cannot be a cash-out.

Apply Now

Benefit: 100% financing available for properties located in designated rural areas.

Eligibility: The entire county of Duchesne qualifies; income limits are liberal to accommodate most families.

Apply Now

Benefit: Offers no-money-down options through secondary loans covering up to 3.5% down payment and 2.5% closing costs.

Eligibility:

• Must not have owned a home in the last 3 years.
• Purchase price up to $486,150; applies to single-family homes, twins, manufactured PUDs, or condos.
• Income and credit score requirements apply.

Apply Now

Details: No money down required, with secondary loans available for down payment and closing costs.

Eligibility:

• Not limited to first-time homebuyers.
• Income and credit score limits apply.
• Applicable to single-family homes, twins, manufactured PUDs, or duplexes within FHA loan limits.

Apply Now

Benefit: Financing includes down payment and up to 3% of closing costs.

Eligibility:

• Income limit is $141,400.
• Must have a credit score of 700 or better.
• Not restricted to first-time buyers.

Apply Now

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

Eligibility:

• Served the required minimum days in the military with honorable conditions.
• Purchase must be for the primary residence.

Apply Now

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

Program Options:

• Grant/Gift: Direct financial assistance that does not require repayment.
• Forgivable Second: A second mortgage that is forgiven under specific conditions.
• Repayable Second: A flexible repayment plan with no income restrictions, providing additional accessibility.

Apply Now

Down Payment Assistance: Provides 4%-6% of the purchase price, helping you to more easily secure a down payment.

Available Programs:

• FirstHome: Tailored for first-time homebuyers.
• HomeAgain: Designed for those re-entering the housing market.
• Score: Assists buyers with unique credit histories.
• NoMI: Offers reduced mortgage insurance premiums, lowering monthly costs.

Apply Now

Financing Benefits: Delivers 100% financing, making it an exceptional opportunity for purchasing a home in rural areas of the county.

Availability: Extensively available throughout the county, this program aims to promote homeownership in less densely populated areas.

Apply Now