Two Agencies Provide First Time Buyer Programs In Utah

Programs For UT 1st Time Home Buyers

First time home buyers in Utah have many options available to them for help in purchasing their first residence. The Utah Housing Corporation (UHC)  and the Federal Home Loan Bank both provide some very contributive programs for Utah residents seeking to purchase their first home.


Utah First Time Home Buyer Programs
Utah First Time Home Buyer Programs

Here are some highlights:

Learn About our Down Payment Assistance Mortgage

If cash at closing is your challenge, our Down Payment Assistance Second Mortgage can help. When combined with our first mortgage, qualified borrowers can purchase a home with little or no cash investment.
Learn More.


Home$tart and Home$tart Plus

FHLB Des Moines members have the opportunity to receive up to $500,000 – up to $400,000 for Home$tart and $100,000 for Home$tart Plus – in down payment and closing cost assistance for eligible homeowners. Members provide these funds to eligible households in amounts up to $5,000 for Home$tart or $10,000 for Home$tart Plus, and are reimbursed by the FHLB Des Moines after the closing of the mortgage loan.


The 2016 Home$tart and Home$tart Plus rounds are open.We have updated Down Payment Online to better serve you.

On this page, you will find resources for reserving Home$tart and Home$tart Plus funds for the 2016 program year. Scroll down this page to find the following resources:

  • How to get started
  • How to initiate a reservation of funds
  • How to complete a disbursement/reimbursement
  • Post reimbursement

How to Get Started

  • Have your institution’s eAdvantage administrator assign access for at least one user to Down Payment Online (DP Online).  This system enables members to complete household enrollment, make disbursement requests and upload supporting documentation online. Instructions are available in the Down Payment Online Manual.

For complete details on these programs, including contact information and instructions on how to apply, please visit these pages: UHC program and Federal Home Loan Bank programs.

More Utah First Time Buyer Programs

In addition to the above homebuyer programs, there are local housing agencies in various towns, cities and counties throughout the state that provide financial assistance to 1st time property buyers as well. To determine of additional programs near you, please visit local first time home buyer programs in Utah.