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

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

Settlers Fund Grant for Duchesne County

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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.
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Borrow Smart Grant for Duchesne County

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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.
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Home Empowered Grant for Duchesne County

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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.
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Chickasaw Grant Money for Duchesne 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.
  • 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.
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Rural No-Money Down Program

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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.

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Utah Housing First Time Buyer Program

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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

Utah Housing FHA Zero Down

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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

Conventional Zero Down

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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

VA Loan Program

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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

Chenoa Fund

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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

Utah Housing Corporation Loan

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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

Rural Housing Program

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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

Each program is designed to facilitate home ownership through financial support tailored to different needs, from first-time homebuyers to veterans. For more details or to begin your application, 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.