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

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3% Down Grant

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Explore Home Buyer Grants and No-Down Payment Programs For Uintah County. Click on any program to apply or click on "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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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 interest due. Min FICO of 700.

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Settlers Fund Grant Money For Uintah County

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The Settlers Fund offers a grant of 3.5% of the home purchase price, which does not need to be repaid after 36 on-time mortgage payments. Available for homes in Uintah County. (Vernal) Must be an owner-occupied home. Applicable to single-family homes, townhomes, or condos. Not applicable to manufactured homes.

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Borrow Smart Grant for Uintah County

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Grants of up to $2,500 are available for those who have not owned a home in the past three years. For 1-unit principal residences including 1-4 unit buildings, condos, PUDs, or manufactured homes (excluding mobile homes). A home-ownership education program is required for eligibility. Grants can be combined with other programs.

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Home Empowered Uintah County Grant

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This grant provides up to 3.5% of the purchase price and does not require repayment. Available for purchases anywhere in Uintah County. Applies only to owner-occupied homes without restrictions on second homes or investment properties. Eligible properties include single-family homes, townhomes, condos, or duplexes. Manufactured homes on owned land are eligible; mobile homes in parks are not.

Eligibility Criteria for the Home Empowered Grant: 1. First-time homebuyers who haven't owned a home in the past three years. 2. Single parents. 3. Individuals who are currently working, retired, or volunteering as first responders, educators, medical personnel, or civil servants. 4. Those earning up to 140% of the AMI income index.

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Chickasaw Grant Money For Uintah County

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Offers a one-time grant of up to $3,000 for down payments or closing costs for buying or refinancing a primary residence. Must be a Chickasaw Nation citizen. Must be on the loan application and approved for a home loan. Applicable only to primary residences and cannot own an investment property. Ineligible for cash-out refinancing.

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Rural No-Money Down

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This program offers 100% financing for homes located in designated rural areas within Uintah County, with fairly liberal income limitations based on household size.

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Utah Housing First Time Buyer Program

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Ideal for first-time homebuyers, this program offers significant help with down payments and closing costs, allowing for minimal initial investment. No initial down payment required; associated costs can be covered by a secondary financing option. Available for properties up to $481,150 in value including single-family homes, twins, manufactured PUDs, or condos. Specific eligibility requirements include not having owned a home in the past three years, with exceptions for single parents or displaced homemakers.

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Utah Housing FHA Zero Down

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Provides the opportunity for home ownership without a down payment for those who exceed the financial thresholds of the first-time buyer program. No down payment required with additional financing covering up to 2.5% of closing costs. Income limits apply, with a maximum of $141,400. Available for FHA-approved homes up to the loan limits of $472,030 for single-family homes and $604,400 for duplexes.

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Conventional Zero Down

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Offers a zero-down payment option through conventional financing, supported by a secondary loan covering up to 3% of closing costs. Income cap at $141,400. A minimum credit score of 700 is required. Purchase price cap is $726,200. Not applicable to manufactured homes.

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VA Program

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Specifically designed for military personnel, offering 100% financing with no down payment required for veterans meeting service criteria. Eligibility includes those who have served a minimum of 90 days during wartime or 181 days during peacetime with an honorable or general discharge. The program is open to veterans, active-duty members, and certain spouses. No first-time homebuyer requirement.

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Chenoa Fund

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Offers up to 3.5% of the purchase price for 1-2 unit properties through three distinct programs: a Grant/Gift, a Forgivable Second, and a Repayable Second, with the latter having no income restrictions.

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Utah Housing Corporation Loan

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Provides down payment assistance ranging from 4% to 6% of the purchase price. Eligible programs include FirstHome, HomeAgain, Score, and NoMI, catering to diverse homebuyer needs.

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Rural Housing Program

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Offers exceptional 100% financing options, accessible to most areas of this county, making it an ideal choice for prospective homeowners seeking comprehensive financial support.

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