Explore the Home Buyer Grants and No-Down Payment Programs available in Wasatch County

Click on any program to apply or select "Apply Now".

3% Down Grant

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Explore the Home Buyer Grants and No-Down Payment Programs available in Wasatch County by clicking on any program below or 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 for First Time Homebuyers

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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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Wasatch County Down Payment Assistance Program

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Provides $20,000 to assist with the home purchase in Wasatch County. (Heber City) Special provision for condominiums at Ranch Landing in Heber City: up to 20% of the purchase price (capped at $40,000). Eligibility criteria include residency in Wasatch County (exceptions apply for teachers and municipal employees accepting work in the county). Requires a minimum personal investment of $3,000. The program offers a 2% interest rate loan, amortized over 30 years, recalculating up to 6% if the home is sold or refinanced within the first four years.

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Borrow Smart Grant

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Offers up to $2,500 for buyers who have not owned a home in the last three years. Available for 1-4 unit residences, including condos, PUDs, and certain types of manufactured homes. Mandatory homeownership education for first-time buyers. This grant can be combined with other grant programs.

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Home Empowered Grant

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Provides up to 3.5% of the home purchase price. Does not require repayment if eligibility conditions are maintained. Available for single-family homes, townhomes, condos, or duplexes in Wasatch County. Eligibility includes first-time homebuyers, single parents, certain professionals, and those earning up to 140% of the AMI.

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Chickasaw Grant

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Offers up to $3,000 to assist with down payment or closing costs. Eligibility limited to Chickasaw Nation citizens who meet the housing loan criteria. Cannot be used for investment properties or cash-out refinancing.

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Rural No-Money Down Program

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Offers 100% financing for properties located in designated rural areas of Wasatch County. Income limits are liberal, accommodating a broad range of household sizes.

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Utah Housing First Time Buyer Program

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Ideal for first-time buyers who have not owned a home in the last three years. Offers a potential zero down payment option, where necessary down payments and some closing costs can be financed through a secondary loan. Properties up to $758,450 are eligible, with certain restrictions on property types.

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Utah Housing FHA Zero Down

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Available to those who may not qualify as first-time buyers or who have higher incomes. No initial down payment required, with secondary financing options available for closing costs. Limits set by FHA loan standards.

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Conventional Zero Down

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Does not require a down payment upfront, with up to 3% of closing costs potentially financed. Open to buyers who do not meet the first-time buyer criteria. Purchase price limits and income qualifications apply.

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VA Program

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Specifically for veterans or active military personnel, offering no down payment requirements. Eligibility extends to spouses, with no first-time buyer requirement.

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The Chenoa Fund

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

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The Utah Housing Corporation Loan

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Provides substantial down payment assistance, offering 4%-6% of the purchase price. Eligible programs include FirstHome, HomeAgain, Score, and NoMI, catering to various homebuyer needs.

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The Rural Housing Program

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Delivers exceptional opportunities with 100% financing available for homes in most parts of this county, making it an ideal choice for those looking to buy in rural areas without the burden of a traditional down payment.

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Ready to take the next step? Explore our grants and loan programs today!

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