Home Buyer Grants and No-Down Payment Programs for Emery County (Castle Dale, Green River)

• 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 Amount: Provides 3.5% of the home purchase price.

Repayment: Not required after 36 on-time payments.

Eligibility:

• Available for purchases throughout Emery County.
• Must be an owner-occupied single-family home, townhome, or condo.
• Manufactured homes are not eligible.

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Grant Amount: Up to $2,500.

Eligibility:

• No home ownership in the last 3 years.
• Applicable to 1-4 unit principal residences, including condos and PUDs (excluding mobile homes).
• A homeownership education program is required.
• Grants can be combined with other programs.

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Grant Amount: Up to 3.5% of the purchase price.

Repayment: This grant does not require repayment.

Eligibility:

• Applicable to purchases anywhere in Emery County.
• Must be an owner-occupied property (no second homes or investment properties).
• Eligible properties include single-family homes, townhomes, condos, or duplexes.
• Manufactured homes on owned land are acceptable.
• Qualification: Must meet one of the following criteria:
• First-time homebuyer.
• Single parent.
• Employed, retired, or volunteering in essential services (e.g., first responders, educators, medical personnel, civil servants).
• Earning up to 140% of the Area Median Income (AMI).

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

Eligibility:

• Must be a Chickasaw Nation citizen.
• Included on the loan application and approved for a home loan.
• For primary residences only; no investment properties or cash-out refinancing allowed.

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Benefit: Offers 100% financing for homes in designated rural areas of Emery County.

Eligibility: Liberal income limits to accommodate a broad range of incomes.

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Benefits: Offers no money down options; up to 3.5% down payment and 2.5% of closing costs can be financed through secondary loans.

Eligibility:

• Must not have owned a home in the past three years.
• Income and credit score requirements apply.

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Details: Provides financing for the down payment and closing costs without the need for upfront payment.

Eligibility:

• Income limits apply; not limited to first-time homebuyers.
• Must have a credit score of at least 620.

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Benefits: Financing includes the down payment and up to 3% of closing costs through secondary loans.

Eligibility:

• Income limit is $141,400; must have a credit score of 700 or better.

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

Eligibility:

• Service in the military with an honorable discharge.
• Property must be used as the primary residence.

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

Available Programs:

• Grant/Gift: Direct financial assistance that doesn’t require repayment.
• Forgivable Second: A second mortgage that may be forgiven under specific conditions.
• Repayable Second: Offers repayment flexibility and has no income restrictions.

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Down Payment Assistance: Offers between 4%-6% of the purchase price to assist with down payments.

Options Include:

• FirstHome: Ideal for first-time buyers.
• HomeAgain: Perfect for those re-entering the housing market.
• Score: Tailored for buyers with unique credit situations.
• NoMI: Reduces mortgage insurance costs, lowering monthly payments.

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Financing Benefits: Provides 100% financing, facilitating homeownership in designated rural areas of the county.

Availability: Extensively accessible to most residents of the county.

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