Rich County Home Buyer Assistance Programs (Garden City, Randolph, Woodruff)

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3% Down Grant

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Rich County Home Buyer Assistance Programs (Garden City, Randolph, Woodruff) Explore a range of no-down payment programs and grants designed to make homeownership more accessible in Rich County. Apply now or click on any program below to learn more: 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 intrest due. Min FICO of 620.

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3% Down Grant

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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 intrest due. Min FICO of 700.

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Settlers Fund Grant

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Assistance: Provides 3.5% of the home's purchase price. Conditions: After 36 on-time mortgage payments, the grant does not need to be repaid. Eligibility: Available for purchases of single-family homes, townhomes, or condos within Rich County. Manufactured homes are not eligible.

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Borrow Smart Grant

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Assistance: Offers up to $2,500. Eligibility: First-time home-buyers who haven't owned a home in the last three years. Applies to 1-4 unit residences, including condos and PUDs (excluding mobile homes). Additional: Requires completion of a home-ownership education program and can be combined with other grants.

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Home Empowered Grant

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Assistance: Up to 3.5% of the purchase price, with no repayment required. Eligibility: Must be an owner-occupied property (no rentals or investment properties). Applies to single-family homes, duplexes, and condos on owned land. Qualification: Available to first-time buyers, single parents, public service employees, or those earning up to 140% of the AMI.

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Chickasaw Nation Grant

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Assistance: Up to $3,000 for down payment or closing costs. Eligibility: Must be a Chickasaw citizen, approved for a mortgage, and purchasing a primary residence without owning other investment properties.

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Rural No-Money Down Program

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Offer: 100% financing for homes in designated rural areas of Rich County. Eligibility: Subject to income limits based on household size but generally broad to accommodate most income levels.

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Utah Housing First Time Buyer Program

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Assistance: No initial down payment required; costs can be covered by secondary financing. Property Value: Homes up to $541,550; includes single-family homes, condos, twins, and PUDs. Restrictions apply to certain types. Eligibility: Open to those who haven't owned a home in the past three years. Special provisions for single parents or displaced homemakers. Utah Housing FHA Zero Down Offer: Full financing with a combination of primary and secondary loans. Eligibility: Not limited to first-time buyers; subject to FHA loan limits and a minimum credit score of 620. Conventional Zero Down Assistance: 3% down payment can be financed, allowing for zero upfront payment. Limits: Income capped at $141,400, with a purchase price limit of $726,200. Property Types: Single-family homes, twins, condos, PUDs; excludes manufactured housing.

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VA Loans

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For: Veterans and their families, offering no down payment requirements. Eligibility: Includes those with at least 90 days of active service and under conditions that qualify for a VA loan. For further details or to apply, visit our website or contact our support team directly. Let us help you make your home ownership dream a reality in Rich County! Unlock Home Ownership with Flexible Financing Options Chenoa Fund Assistance Programs Assistance Level: Up to 3.5% of the purchase price for 1-2 unit residences. Options Available: Grant/Gift: Non-repayable grants that assist with your down payment. Forgivable Second: A second mortgage that is forgivable under certain conditions. Repayable Second: A second mortgage with no income restrictions, offering flexible repayment options. Utah Housing Corporation Loan Assistance Level: Provides 4%-6% of the purchase price as down payment assistance. Program Choices: FirstHome: Tailored for first-time homebuyers. HomeAgain: Designed for those re-entering the housing market. Score: Focused on buyers with below-average credit scores. NoMI: Offers solutions without mortgage insurance.

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Rural Housing Program

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Financing: 100% financing available, making home ownership accessible without a traditional down payment. Availability: Broadly available across most of the county, targeting rural development areas. These programs are designed to make home ownership more accessible, whether you are a first-time homebuyer or looking to re-enter the housing market. For more details on eligibility and application processes, please visit our website or contact our office directly.

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