Home Buyer Grants and No-Down Payment Programs for Garfield County (Bryce, Escalante, Panguitch)

Click on any program to apply or click "Apply Now". 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 sale. No payments and no interest due. Min FICO of 620.

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Grant Benefits: Provides 3.5% of the purchase price. Repayment: No repayment required after 36 on-time payments.

Eligibility:

• Applicable for home purchases anywhere in Grand 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:

• First-time homebuyers who haven't owned a home in the last 3 years.
• Applicable to 1-4 unit residences, including condos and PUDs, excluding mobile homes.
• A homeownership education program is required.
• This grant can be combined with other programs.

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Grant Benefits: Offers up to 3.5% of the purchase price. Repayment: This is a non-repayable grant.

Eligibility:

• Must be used for properties in Grand County.
• Applicable to owner-occupied homes only (no investment properties).
• Includes single-family homes, townhomes, condos, or duplexes.
• Manufactured homes on owned land are acceptable.
• Qualification Criteria: Applicants must meet one of the following:
• First-time home buyer.
• Single parent.
• Current worker, retiree, or volunteer in essential services (e.g., first responders, educators, medical personnel).
• Earning up to 140% of the AMI.

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

Eligibility:

• Chickasaw Nation citizens only.
• Must be on the loan application and approved for a home loan.
• Only for primary residences; no investment properties.
• Non-cash-out refinancing only.

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Benefits: Provides 100% financing for homes in designated rural areas.

Eligibility: Available across Grand County with liberal income limitations based on household size.

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Benefits: Offers no-money-down options; secondary loans can cover the down payment and part of the closing costs.

Eligibility:

• No home ownership in the last 3 years.
• Income and credit score requirements must be met.

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Benefits: No initial down payment required; includes financing for down payment and closing costs.

Eligibility:

• Not limited to first-time homebuyers.
• Income and credit score thresholds apply.

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Benefits: Includes financing for the down payment and part of the closing costs through secondary loans.

Eligibility:

• Income must not exceed specified limits.
• Credit score must be 700 or higher.

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

Eligibility:

• Served the required minimum days in the military with honorable conditions.
• Must be used for 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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