Home Buyer Grants and No-Down Payment Programs for Sanpete County

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3% Down Grant

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Explore Home Buyer Grants and No-Down Payment Programs Available in San Juan County: (Blanding, Monticello) Apply for any program by clicking on 'Apply Now' or selecting the desired program directly. 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. Settlers Fund Grant for San Juan County Offer: 3.5% of the home's purchase price. Condition: No repayment required after 36 on-time payments. Eligibility: Owner-occupied single-family homes, townhomes, or condos in San Juan County. Manufactured homes are excluded. Borrow Smart Grant for San Juan County Offer: Up to $2,500. Condition: Homeownership education required; grants can be combined with other programs. Eligibility: First-time buyers only; property can be 1-4 units, including condos and PUDs but excluding mobile homes. Home Empowered Grant for San Juan County Offer: 3.5% of the home purchase price, never to be repaid. Eligibility Criteria: First-time home buyers. Single parents. Individuals employed or volunteering as first responders, educators, medical personnel, or civil servants. Those earning up to 140% of the AMI income index. Chickasaw Grant for San Juan County Offer: Up to $3,000 for down payment or closing costs. Condition: Documentation required before closing; no repayment if conditions met. Eligibility: Must be a Chickasaw Nation citizen and the home must be a primary residence without being an investment property.

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Rural No-Money Down Home Loans

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Offer: 100% financing for homes in designated rural areas. Eligibility: Based on household income with relatively liberal limits, covering all of San Juan County.

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Utah Housing First Time Buyer Program

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Offer: No money down with up to 3.5% down payment and 2.5% closing costs financed. Eligibility: Income and credit score restrictions apply; the program covers various dwelling types up to $486,150. FHA Zero Down Offer: Entire down payment and partial closing costs financed. Eligibility: Income up to $141,400; credit score of at least 620. Not limited to first-time buyers. Conventional Zero Down Offer: Finances 3% down payment and up to 3% closing costs. Eligibility: Income capped at $141,400; minimum credit score of 700. All home types included except manufactured housing.

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VA Home Loan Program

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Offer: No down payment required for military service members, veterans, and eligible spouses. Condition: Must remain primary residence for the specified period; various discharge conditions apply. For detailed requirements or to apply, click on the desired program or reach out for personalized assistance. The Chenoa Fund offers up to 3.5% of the purchase price for 1-2 unit properties through three distinct programs: a Grant/Gift, a Forgivable Second, or a Repayable Second, with the latter having no income restrictions. Additionally, the Utah Housing Corporation Loan provides 4%-6% of the purchase price in down payment assistance, with options including FirstHome, HomeAgain, Score, and NoMI programs. Moreover, the Rural Housing program offers an exceptional opportunity with 100% financing available in most areas of this county, making it an ideal choice for eligible homebuyers seeking comprehensive financial support.

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