Home Buyer Grants and No-Down Payment Programs for Kane County (Bullfrog, Kanab)

Explore our diverse range of financial assistance programs designed to help you purchase your dream home. Click on any program below to apply or select "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 Amount: Provides 3.5% of the home's purchase price.

Forgiveness: No repayment required after 36 on-time payments.

Eligibility: Available for purchases throughout Kane County. Applies to owner-occupied single-family homes, townhomes, or condos. Manufactured homes are excluded.

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Grant Amount: Up to $2,500.

Eligibility: No home ownership in the previous three years. Available for 1-4 unit residences, including condos, PUDs, and manufactured homes (excluding mobile homes). Mandatory homeownership education for first-time buyers. Compatible with other grant programs.

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

Forgiveness: This grant does not require repayment.

Eligibility: Must be used within Kane County. Restricted to owner-occupied properties (excludes second homes or investment properties). Applicable to single-family homes, townhomes, condos, or duplexes. Manufactured homes on owned land are eligible.

Qualification Criteria: Must meet at least one:

• First-time homebuyer.
• Single parent.
• Active or retired essential worker, or a volunteer (e.g., first responders, educators, medical staff, or government employees).
• 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.

Requirements: Must be a Chickasaw Nation citizen. Included on the mortgage application and approved for a home loan. Only for primary residences, not eligible for investment properties or cash-out refinancing.

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

Eligibility: Covers all of Kane County; designed for homes in rural settings with generous income limits to accommodate various financial situations.

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

Eligibility: Suitable for those who have not owned a home in the last three years. Property price caps and other restrictions apply; comprehensive details available on request.

Utah Housing FHA Zero Down

Details: Minimal down payment facilitated through secondary financing.

Restrictions: Income and credit score requirements apply. Available to those not qualifying as first-time buyers due to previous homeownership within the last three years.

Conventional Zero Down

Details: Financing covers the entire down payment and some closing costs through secondary loans.

Restrictions: Income and credit score qualifications must be met. Available for a range of property types, with specific exclusions for manufactured housing.

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

Eligibility: Requires service in the U.S. military with an honorable discharge. The home 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.

Program Options:

• Grant/Gift: Direct financial assistance without the need for repayment.
• Forgivable Second: A second mortgage that may be forgiven based on the terms of the agreement.
• Repayable Second: A repayment option that is flexible and has no income restrictions.

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Down Payment Assistance: Offers between 4% and 6% of the purchase price to help with your down payment.

Available Programs:

• FirstHome: Tailored specifically for first-time homebuyers.
• HomeAgain: Designed for those re-entering the housing market.
• Score: Supports buyers with unique credit histories.
• NoMI: Reduces mortgage insurance costs to lower monthly payments.

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Financing Benefits: Provides 100% financing, making it an excellent option for purchasing a home in rural areas of the county.

Availability: This program is widely accessible to most residents of the county, offering significant financial support.

These programs are crafted to support a variety of homebuyers, from those purchasing their first home to those finding flexible financing solutions in rural areas. For more information or to apply, please visit our website or contact our office directly.

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