Utah County and City Down Payment Assistance Programs for 2026

Utah's statewide programs through the Utah Housing Corporation get the most attention, but the most meaningful assistance for many buyers comes from the county and city level — where grants and deferred loans can reach $50,000 or more with no monthly payment required.

Here's a program-by-program breakdown of the local down payment assistance available in Utah's major counties and cities.

Davis County: Up to $50,000

Davis County runs one of the most generous local programs in the state. The Homeownership Assistance Program provides up to $50,000 as a 0% interest deferred loan — no monthly payment, no interest accruing, repaid only when the home is sold or refinanced.

Key details:

• No first-time buyer requirement — it's income-qualified, not purchase-history restricted
• Funding closed temporarily but is expected to reopen July 1, 2026
• Can be stacked with Utah Housing Corporation programs (recorded in third lien position behind UHC first mortgage and UHC DPA second)
• Properties must pass a municipal health and safety inspection

The stacking opportunity here is significant. A buyer in Layton or Clearfield purchasing near the $460,000 entry-level range could stack $24,000 in UHC DPA (6% of a $400,000 mortgage) with $50,000 from Davis County — covering nearly all upfront costs.

Utah County: Loan to Own — Up to $40,000

Utah County's Loan to Own program provides up to $40,000 as a deferred loan. It's fully forgiven after 10 years of continuous primary residency.

Key details:

• Household income must be at or below 80% of Area Median Income
• Excludes purchases in Fairfield, Highland, and Woodland Hills
• Must purchase a primary residence within Utah County

This program targets the income-constrained first-time buyers flooding the Silicon Slopes market. With Lehi and Saratoga Springs medians at $524,900 to $625,000, the $40,000 can meaningfully reduce the down payment required.

Provo City: Home Purchase Plus — Up to $60,000

Provo City runs the most generous municipal program in the state. Home Purchase Plus provides up to $60,000 as a deferred loan, fully forgiven after 10 years of continuous primary residency.

Key details:

• Household income at or below 80% AMI
• Must purchase within Provo city limits
• Stacks with UHC programs

For BYU graduates and young families targeting Provo specifically, this program is substantial. Combined with a UHC first mortgage and 6% DPA, a buyer could potentially close on a home with minimal out-of-pocket cash.

West Jordan: Up to $7,500 (Forgiven After 5 Years)

West Jordan's DPA program provides $7,500 as a deferred loan that is fully forgiven after five years of continuous owner-occupancy. At the five-year mark, the lien is released and no repayment is required.

Key details:

• Must be a first-time buyer (no ownership for three years)
• Income-qualified
• Must purchase a primary residence within West Jordan

West Jordan has a median listing price of around $539,850 — more affordable than Salt Lake City's urban core. Buyers targeting this community can pair the city program with UHC DPA for combined coverage approaching $30,000+.

West Valley City: Up to $14,999 Grant

West Valley City offers up to $14,999 as a true grant — no repayment required — for income-qualified first-time buyers. West Valley is one of the most affordable Salt Lake County entry points, with a median listing around $465,000.

Layton City: $10,000 Grant

Layton's "At Home in Layton" program provides $10,000 in grant assistance for first-time buyers purchasing within Layton city limits. It has a grant structure with occupancy requirements rather than a deferred loan.

For Hill AFB military families, Layton is the most common home purchase location — and this $10,000 can stack with the state's $2,500 Utah Veteran First-Time Homebuyer Grant and Davis County's $50,000 deferred assistance.

Clearfield City: $7,500 Matching Grant

Clearfield offers a $7,500 homebuyer matching grant for income-qualified buyers purchasing within city limits. Another Hill AFB-adjacent community, Clearfield runs median prices of $430,000 to $490,000, making it accessible for military buyers.

Weber County: $5,000 Grant

Weber County provides $5,000 as a flat grant applied directly at closing for income-qualified first-time buyers. This is stacked in addition to any Ogden City programs if the purchase is within city limits.

Ogden City: Own in Ogden — Up to $10,000

Ogden City's "Own in Ogden" program provides $10,000 for first-time buyers, with increased amounts available for teachers, police officers, and firefighters who purchase within their service community. It's structured as a grant with localized service terms.

Ogden has a median listing of $389,999 — the most affordable major city on the Wasatch Front. Combined with Weber County's $5,000 grant and UHC DPA, buyers in Ogden have access to meaningful stacked assistance.

Tooele County: $10,000 Deferred Loan

Tooele County offers a $10,000 deferred loan for first-time buyers, covering down payment and closing costs. Tooele City has a median listing of $429,900, and the county is increasingly attracting Salt Lake County commuters who want larger lots and lower entry prices.

For USDA-eligible buyers, portions of Tooele County also qualify for 100% USDA financing — which can be combined with the local DPA for a zero-to-minimal cash closing.

Salt Lake County and Salt Lake City

At the county level, the Salt Lake County First Time Buyer Program provides $20,000. Within Salt Lake City proper, the Neighborhood DPA program offers up to $39,000 for buyers purchasing in targeted revitalization neighborhoods.

How to Think About Stacking

The maximum realistic stack varies by location. A buyer in Provo could access:

• UHC first mortgage with 6% DPA (~$24,000 on a $400,000 mortgage)
• Utah County Loan to Own ($40,000 deferred, forgiven at 10 years)
• Provo Home Purchase Plus ($60,000 deferred, forgiven at 10 years)

That's up to $124,000 in combined assistance — though hitting all three requires income qualification for each, and individual program funding availability varies.

Most buyers realistically access two to three programs. The operational rules: bring at least $1,000 of your own earnest money, keep post-closing liquid assets under the program caps, and ensure the property passes the municipal health and safety inspection required by programs using public funds.

The Utah First-Time Home Buyer Guide includes an up-to-date matrix of all programs with income limits, current funding status, and a step-by-step stacking worksheet so you can calculate the maximum assistance you're eligible for before approaching a lender.

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