Home Buyer Grants and No-Down Payment Opportunities in Sevier County

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3% Down Grant

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Home Buyer Grants and No-Down Payment Opportunities in Sevier County Apply Now or Click on Any Program for More Information 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 Sevier County (Aurora, Richfield) Grant Amount: Provides 3.5% of the home purchase price. Repayment: No repayment required after 36 on-time payments. Eligibility: Available for purchases within Sevier County for owner-occupied, single-family homes, townhomes, or condos. Manufactured homes are excluded.

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Borrow Smart Grant

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Grant Amount: Up to $2,500. Eligibility: First-time buyers who haven't owned a home in the last three years. Applicable to 1-4 unit properties, including condos and PUDs, excluding mobile homes. Requirements: Must complete a home-ownership education program. Grants can be combined with other programs.

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Home Empowered Grant

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Grant Amount: Provides up to 3.5% of the home purchase price. Repayment: No repayment required if conditions are met. Eligibility: Must be an owner-occupied property in Sevier County without using it for investment purposes. Includes single-family homes, duplexes, and manufactured homes on owned land. Qualification: Available to first-time home buyers, single parents, or those who are employed or volunteering in critical services like emergency response, education, medical field, or government.

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Chickasaw Nation Grant

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Grant Amount: Up to $3,000 for down payment or closing costs. Eligibility: Must be a Chickasaw Nation citizen, on the loan application, approved for a home loan, and purchasing a primary residence without owning other investment properties. Not applicable for cash-out refinancing. Documentation: Must submit necessary documents to the Housing Counseling and Loan Services Department before closing. Rural No-Money Down Loan Features: Offers 100% financing for homes designated in rural areas of Sevier County. Income Limits: Liberal, making it accessible for most income levels.

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Utah Housing First Time Buyer Program

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Financing: 100% financing available with combined funding covering up to 3.5% down payment and 2.5% closing costs. Eligibility: Must not have owned a home within the last three years, with income and credit score qualifications. Property Types: Eligible properties include single-family homes, twins, manufactured PUDs, or condos within certain price and restriction limits. Utah Housing FHA Zero Down Features: No money down required with combined loan options covering initial costs. Income and Credit Requirements: Specific income and credit score thresholds apply. Property Eligibility: Includes various property types with limits on pricing according to FHA guidelines. Conventional Zero Down Financing: Offers 100% financing through a combination of primary and secondary loans. Income Limit: Capped at a specified amount, with a required credit score. Property Types: Eligible for a range of properties, excluding manufactured housing.

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VA Loan Program

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Eligibility: For veterans and active military members, including spouses in some cases. Features: No down payment required, no need for private mortgage insurance, and favorable terms. Residency: Must be the primary residence. These programs are designed to help make homeownership more accessible and affordable in Sevier County. For further details or to apply, click the desired program link or the general apply button.

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