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

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

3% Down Grant

Click to see details

  • 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

3% Down Grant for First Time Home Buyers

Click to see details

  • 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 Emery County

Click to see details

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.
Apply Now

Borrow Smart Grant for Emery County

Click to see details

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.
Apply Now

Home Empowered Grant for Emery County

Click to see details

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).
Apply Now

Chickasaw Grant for Emery County

Click to see details

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.
Apply Now

Rural No-Money Down Program

Click to see details

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

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

Apply Now

Utah Housing First Time Buyer Program

Click to see details

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.
Apply Now

Utah Housing FHA Zero Down

Click to see details

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.
Apply Now

Conventional Zero Down

Click to see details

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.
Apply Now

VA Loan Program

Click to see details

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.
Apply Now

Chenoa Fund

Click to see details

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.
Apply Now

Utah Housing Corporation Loan

Click to see details

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.
Apply Now

Rural Housing Program

Click to see details

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

Availability: Extensively accessible to most residents of the county.

Apply Now

These programs are designed to support a variety of homebuyers, from those purchasing their first home to those returning to the housing market, by offering substantial financial aid and flexible financing solutions. For more information 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.