Salt Lake County Home Buyer Grants and No-Down Payment Programs

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3% Down Grant

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Salt Lake County Home Buyer Grants and No-Down Payment Programs Explore and apply to any program through the links provided: 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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Salt Lake County Grant

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Up to $20,000 grant available. Available for properties within specific areas including ( Alta, Bluffdale, Cottonwood Heights, and others. Limited funding for Sandy, South Jordan, West Jordan, & West Valley City) Must be an owner-occupied single family home, townhome, or condo. Requires contributing 50% of the down payment from personal funds. Participation in a housing counseling program required. The grant does not require repayment if the property is the primary residence for 5 to 10 years, depending on the grant amount.

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Salt Lake City Grant

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Offers up to $39,000 for home buyers in Salt Lake City. Buyers must contribute a minimum of $1,000 from personal funds. Must complete a housing counseling program. Grant repayment is conditional on home sale or change of residence status.

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Kearns City Grant

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$5,000 grant available for homes in Kearns. Requires a 1% contribution of the sales price, minimum $1,000 from personal funds. No previous homeownership in the last 3 years.

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Magna City Grant

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Provides $5,000 for homes in Magna. Similar contribution and counseling requirements as Kearns. Repayable under specific conditions but carries 0% interest with no required monthly payments.

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Murray City Grant

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Up to $20,000 grant for homes in Murray. Grant forgivable after 5 years with no prior homeownership within 3 years.

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Sandy City Grant

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$7,500 available, with 1% purchase price contribution required. Grant repayable upon moving out or selling the home, with 0% interest.

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Taylorsville City Grant

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Up to $20,000 available, requiring a minimum $1,000 contribution. No repayment if the home is occupied for 5 to 10 years.

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South Jordan City Grant

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Provides $7,500, with similar requirements to other city grants. Repayable on a prorated basis if moved out before 10 years.

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West Jordan City Grant

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Up to $10,000, covering half the down payment plus closing costs. Requires a $2,500 contribution from the buyer. Becomes a grant after 5 years of residence.

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West Valley City Grant

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Offers up to $15,000, with a $4,000 minimum contribution from the buyer. Non-repayable if the property remains the primary residence for 5 years.

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Home Empowered Salt Lake County Grant

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Provides up to 3.5% of the home purchase price. Available for a range of housing types, including manufactured homes on owned land. Requires eligibility under specific criteria such as being a first-time homebuyer or meeting income limits.

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Borrow Smart Grant

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Up to $2,500 for qualified buyers who have not owned a home in the last three years. Covers various property types and requires completion of a homeownership education program.

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Veterans Grant

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Up to $2,500 for veterans purchasing a home in Utah, available until funds are depleted. Applies to various housing types and requires no repayment. Chickasaw Grant Money Up to $3,000 to assist with down payments or closing costs. Eligibility limited to citizens of the Chickasaw Nation, with specific requirements for loan approval and property type. Down Payment Assistance Programs Venture DPA offers a second mortgage to cover down payments, paired with a conventional mortgage without mortgage insurance requirements. Utah Housing Programs Various programs including FHA Zero Down and Conventional Zero Down offer significant aid, especially for first-time buyers, with details on eligibility and restrictions provided. Each program has specific eligibility criteria and benefits, designed to make home buying accessible and affordable in Salt Lake County. Explore a range of home buyer grants and no-down payment programs available in Salt Lake County to make homeownership more accessible: (Bluffdale, Capitol Hill, Cottonwood Heights, Draper, Herriman, Holladay, Magna, Midvale, Murray, Riverton, Rose Park, Salt Lake City, Sandy, South Jordan, Sugarhouse, Taylorsville, West Jordan, West Valley) Own in Salt Lake County: Offers $20,000 in down payment assistance for first-time buyers, helping to make the first step into homeownership more attainable. Salt Lake Neighborhood Home Grant: Provides a generous $39,000 to home buyers specifically in Salt Lake City, aiming to strengthen community ties and enhance local neighborhoods. West Jordan Down Payment Assistance: Awards $10,000 to first-time home buyers purchasing in West Jordan, fostering community growth and homeownership opportunities. West Valley First Time Buyer Program: Allows for up to $7,500 in down payment assistance, making it easier for first-time buyers to afford a home in West Valley. Chenoa Fund: Offers up to 3.5% of the purchase price for 1-2 unit homes with three distinct programs: Grant/Gift, Forgivable Second, or Repayable Second, with no income restrictions on the Repayable Second, providing flexible options for buyers. Utah Housing Corporation Loan: Provides between 4%-6% of the purchase price as down payment assistance with a choice of programs such as FirstHome, HomeAgain, Score, and NoMI, designed to meet diverse buyer needs. Rural Housing Program: An excellent 100% financing option available in most of this county, ideal for buyers looking for comprehensive financial support to purchase in rural areas. These programs are designed to reduce the financial barriers associated with purchasing a home, supporting a range of buyers from first-timers to those looking to invest in rural properties.

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