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

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3% Down Grant

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Home Buyer Grants and No-Down Payment Programs for Utah County Explore these programs and apply directly by clicking on any program listed here or by selecting "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 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.Utah County Down Payment Assistance Program This program offers first-time home buyers in Utah County up to $10,000 in down payment assistance. Here are the details: Available for homes throughout Utah County, except in Eagle Mountain, Alpine, Woodland Hills, and Elk Ridge.Must be your primary residence.Applicable to single-family homes, townhomes, or condos.Requires a minimum personal down payment of $1,000.Subject to household income limits based on family size. Please contact us for specific details.The assistance is repayable upon selling the home or moving out within the first five years, with a 0% interest rate and no monthly payments. A $5,000 prepayment penalty applies if the home is sold within the first two years.Settlers Fund Grant Money for Utah County The Settlers Fund offers 3.5% of the home purchase price. This grant does not need to be repaid after 36 on-time mortgage payments.Available for purchases within Utah County. (American Fork, Cedar Hills, Eagle Mountain, Highland, Lehi, Lindon, Mapleton, Orem, Payson, Pleasant Grove, Provo, Salem, Santaquin, Saratoga Springs, Spanish Fork, Springville) Must be an owner-occupied residence.Applicable to single-family homes, townhomes, and condos.Not applicable to manufactured homes.Borrow Smart Grant for Utah County Offers up to $2,500 for eligible buyers.Must not have owned a home in the past three years.Applies to one-unit principal residences, including 1-4 unit properties, condos, PUDs, or manufactured homes (excluding mobile homes).A home-ownership education program is required for first-time buyers. Please contact us for program details.This grant can be combined with other grant programs.Home Empowered Utah County Grant Provides up to 3.5% of the home purchase price. This grant does not require repayment.Available for purchases across Utah County.Must be an owner-occupied residence, excluding second homes and investment properties.Applicable to single-family homes, townhomes, condos, or duplexes.Eligibility for manufactured homes on owned land (excludes mobile homes in parks).To qualify, applicants must meet one of the following criteria: first-time home buyer, single parent, currently employed/retired/volunteer in key services, or earning up to 140% of the AMI income index.Chickasaw Grant Money for Utah County Offers a one-time grant of up to $3,000 for down payment or closing cost assistance.Applicants must be Chickasaw Nation citizens and approved for a home loan.Applies only to primary residences and excludes investment properties.Documentation required prior to closing; please contact the Housing Counseling and Loan Services Department for more details.Rural No-Money Down Program Facilitates home financing with zero down payment required for properties located in designated rural areas of Utah County.Liberal income limitations based on household size enhance qualification chances.Utah Housing First Time Buyer Program Ideal for first-time home buyers, allowing a down payment as low as 3.5%, which can be financed along with up to 2.5% of closing costs through a secondary loan.Available for properties priced up to $619,450.Applicants must not have owned a home in the last three years except for single parents or displaced homemakers.Utah Housing FHA Zero Down Available for those who do not qualify as first-time buyers or who exceed income limits for other programs.Offers zero down payment options, with loan limits up to $601,450 for single-family homes.Conventional Zero Down A flexible option requiring a 3% down payment, which can also be financed, opening doors to home ownership without upfront costs.Applicable to a variety of property types, with a purchase price limit of $726,200.VA Loans Specifically for veterans and active military personnel, requiring no down payment and no first-time home buyer status.To qualify, applicants must have served the required minimum days in the military and plan to make the property their primary residence.For more details on any of these programs or to discuss your eligibility and application process, please contact us directly.Explore the range of Home Buyer Grants and No-Down Payment Programs available for residents in and around Provo, Utah:

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1. Provo Loan to Own Program

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Offers up to $40,000 in down payment assistance for first-time homebuyers purchasing within Provo.Designed to make homeownership more accessible and affordable.

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2. Utah County Down Payment Assistance

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Provides up to $40,000 depending on the buyer's financial needs.The 'Loan to Own' initiative extends eligibility to most cities within Utah County, facilitating broader participation.

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3. Chenoa Fund

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Delivers up to 3.5% of the purchase price for 1-2 unit properties.Available options include grants, forgivable seconds, or repayable seconds with no income limits, catering to various financial situations.

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4. Utah Housing Corporation Loan

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Offers down payment assistance ranging from 4% to 6% of the purchase price.Choose from diverse programs like FirstHome, HomeAgain, Score, and NoMI to fit different homebuyer needs.

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5. Rural Housing Program

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Provides 100% financing for eligible rural properties, making it an excellent option for those looking to purchase outside urban areas in most parts of the county.Each of these programs is designed to help reduce the financial barriers to homeownership, ensuring more individuals and families can achieve their dreams of owning a home. For details on eligibility and application processes, please click on the program of your interest or the 'Apply Now' button.

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