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

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.

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%.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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

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.