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

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3% Down Grant

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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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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 sale. No payments and no interest due. Min FICO of 700.

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Settlers Fund Grant for Grand County

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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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Borrow Smart Grant for Grand County

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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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Home Empowered Grant for Grand County

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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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Chickasaw Grant for Grand County

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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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Rural No-Money Down Program

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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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Utah Housing First Time Buyer Program

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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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Utah Housing FHA Zero Down

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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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Conventional Zero Down

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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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VA Loan Program

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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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Chenoa Fund

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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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Utah Housing Corporation Loan

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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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Rural Housing Program

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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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These programs are structured to support a range of homebuyers, from first-time purchasers to those looking for flexible financing solutions, by offering substantial financial aid and various options to suit different needs. For more details 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.