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

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3% Down Grant

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Explore Home Buyer Grants and No-Down Payment Programs in Washington County! Click on any program below to apply today.
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.

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Washington County Down Payment Assistance Program

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Government Grant: Offers up to $20,000 for home buyers in Washington County.
Loans for Condominiums at Ranch Landing in Heber City: Up to 20% of the purchase price, not exceeding $40,000.
Program Details:
Eligible for purchases throughout Washington County. (Bloomington, Hurricane, Ivins, St. George, Santa Clara, Washington)
Residency requirements: Must currently reside in Washington County (exceptions for teachers and municipal employees working in the county).
Property must be owner-occupied.
A minimum personal contribution of $3,000 is required.
Eligible property types include single-family homes, townhomes, or condos.
This program is a low-interest loan (2% interest, amortized over 30 years) that helps with down payments. If the property is sold, refinanced, or title changed within the first four years, the interest rate may increase up to 6%.

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Borrow Smart Grant

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Up to $2,500 for buyers who haven't owned a home in the last three years. Supports various property types including single units, condos, PUDs, and manufactured homes (excluding mobile homes). A home-ownership education program is required.

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Home Empowered Grant

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Grants 3.5% of the home purchase price, which doesn't need to be repaid. Applicable for single-family homes, townhomes, condos, or duplexes located in Washington County. Options are available for manufactured homes on owned land.
Eligibility for the Home Empowered Grant:
First-time home buyers.
Single parents.
Individuals employed or volunteering as first responders, educators, medical personnel, or civil servants.
Applicants earning up to 140% of the Area Median Income (AMI).

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Chickasaw Nation Grant

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Provides up to $3,000 to assist with down payments or closing costs. Applicants must be citizens of the Chickasaw Nation and approved for a home loan. This grant is not applicable if refinancing involves a cash-out.

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Rural No-Money Down Program

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Offers financing without a down payment for homes located in designated rural areas of Washington County. This program includes favorable income limits to accommodate a broader range of applicants.

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Utah Housing First Time Buyer Program

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Ideal for first-time buyers, this program allows significant financial flexibility with zero down payment required and the possibility to finance closing costs. The property price cap for this program is $758,450, with certain restrictions on property types.
Restrictions:
Income limits apply based on household size.
A credit score of 660 or higher is required.
Specific conditions apply for single parents and displaced homemakers regarding prior homeownership.

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Utah Housing FHA Zero Down

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This program is suitable for those who may not qualify as first-time buyers or have higher income levels. It allows purchasing a home without any down payment with limits up to $1,089,300 for single-family homes.

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Conventional Zero Down

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Offers the ability to purchase a home without a down payment, supported by a second loan to cover up to 3% of closing costs. This program is open to all, not just first-time buyers, with a purchase price limit of $726,200.

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VA Home Loan Program

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Aimed at service members, veterans, and eligible surviving spouses, offering no-money-down financing.
Eligibility: Active service or honorable discharge required, with no requirement to be a first-time homebuyer.

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Chenoa Fund

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

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Utah Housing Corporation Loan

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Offers 4%-6% of the purchase price in down payment assistance, with options including FirstHome, HomeAgain, Score, and NoMI programs to suit different needs.

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Rural Housing Program

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Offers an excellent opportunity for 100% financing, available to most residents in this county. This program is ideal for those looking to purchase in designated rural areas, providing substantial financial support without the need for a down payment.

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

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