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

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

3% Down Grant

Click to see details

Explore Home Buyer Grants and No-Down Payment Programs for Wayne 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 intrest due.
Min FICO of 620.

Apply Now

3% Down Grant for First Time Home Buyers

Click to see details

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.

Apply Now

Settlers Fund Grant

Click to see details

Provides 3.5% of the home's purchase price. Once you make 36 on-time mortgage payments, you owe nothing more on the grant.
Eligibility: Available for purchases throughout Wayne County for owner-occupied homes including single-family homes, townhomes, or condos. Manufactured homes are not eligible.

Apply Now

Borrow Smart Grant

Click to see details

Offers up to $2,500 in assistance.
Eligibility: Available to those who haven't owned a home in the last three years. Applicable to 1-4 unit residences, condos, PUDs, and manufactured homes that are not classified as mobile homes. A mandatory home-ownership education program must be completed. This grant can be combined with other programs.

Apply Now

Home Empowered Grant

Click to see details

Offers up to 3.5% of the home's purchase price as a non-repayable grant.
Eligibility: Must be an owner-occupied property without any intent for investment purposes. Available for single-family homes, townhomes, condos, or duplexes. Manufactured homes on owned land are eligible.
Qualifying for the Home Empowered Grant:
Must meet one of the following:
First Time Home Buyer (not owned a home in the last three years)
Single Parent
Currently employed, retired, or volunteering as a first responder, educator, medical personnel, or civil servant
Earning up to 140% of the Area Median Income (AMI)

Apply Now

Chickasaw Grant Money

Click to see details

Provides up to $3,000 to assist with down payment or closing costs for buying or refinancing.
Eligibility: Must be a Chickasaw Nation citizen, on the home loan application, approved for a home loan, purchasing a primary residence, and not own investment property. Refinancing cannot involve cash-out.

Apply Now

Rural No-Money Down Program

Click to see details

Offers 100% financing for homes located in designated rural areas of Wayne County.
Details: Income restrictions apply but are generally liberal, making it accessible for many potential homebuyers.

Apply Now

Utah Housing First Time Buyer Program

Click to see details

An excellent option for first-time homebuyers offering a no-money-down opportunity through a 3.5% down payment that, along with up to 2.5% of closing costs, can be financed via a secondary loan.
Restrictions: Applies to homes up to $486,150, with certain limitations for manufactured, PUD, and condos. Income and credit score requirements must be met.

Apply Now

Utah Housing FHA Zero Down

Click to see details

Suitable for those who do not qualify as first-time buyers or who have higher incomes.
Details: No initial down payment required; similar financing options cover closing costs. Income and credit score requirements apply.

Apply Now

Conventional Zero Down

Click to see details

Requires no down payment with up to 3% of closing costs potentially financed through a secondary loan.
Restrictions: Income and credit qualifications apply; housing must be a single-family home, twin home, PUD, or condo. Manufactured homes are excluded.

Apply Now

VA Home Loan Program

Click to see details

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.
For more information on how to apply for these programs or to check your eligibility, please click the links provided or contact us directly.

Apply Now

Chenoa Fund

Click to see details

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

Apply Now

Utah Housing Corporation Loan

Click to see details

Provides 4%-6% in down payment assistance, with options to choose from including FirstHome, HomeAgain, Score, and NoMI programs, catering to various buyer needs.

Apply Now

Rural Housing Program

Click to see details

Offers exceptional 100% financing opportunities available to most residents in this county, supporting homeownership in designated rural areas without the requirement for a down payment.

Apply Now

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

Get Started