Utah down payment assistance, deep-checked against current state program sources.
A current inventory of state-run and state-administered assistance in Utah, plus national DPA options. Funding and rate sheets can still change after this review date.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
Quick comparison
| Program | Potential assistance | Published min. FICO | Repayment/Forgiveness | Biggest catch |
|---|---|---|---|---|
| Utah Housing Deferred Down Payment Assistance | Lesser of $27,000 or 3.5% of loan amount under current deferred-DPA revision | program specific | Deferred second with 3.5% simple interest, no monthly payment; due at maturity/sale/refi | This newer deferred option was added in 2025 and live participation documents/rate sheet control current pairings. |
| Utah Housing Amortizing DPA Options | Assistance percentage depends on FirstHome/HomeAgain/Score/HFA Advantage execution and current rate sheet | product/program specific | Amortizing second mortgage paired with Utah Housing first mortgage | Utah Housing changes assistance percentages and pricing through live rate/program matrices; do not rely on older 2022 percentage tables. |
Utah Housing Deferred Down Payment Assistance
Utah Housing Deferred Down Payment Assistance is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program specific
Utah Housing Amortizing DPA Options
Utah Housing Amortizing DPA Options is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: product/program specific
National programs Utah buyers should also check
National Homebuyers Fund
NHF multi-state assistance may be available through participating lenders. Current lender/product terms control credit, pricing, assistance and repayment or forgiveness.
Published minimum FICO: product/lender specific
Chenoa Fund
Chenoa Fund provides FHA down-payment assistance through approved lender partners. Current matrices control credit, pricing and second-mortgage terms.
Published minimum FICO: product/lender specific
Utah's biggest DPA lesson
Utah Housing now has a newer deferred DPA option in addition to its longstanding amortizing DPA paired with the FirstHome/HomeAgain/Score/HFA Advantage families. V25 intentionally points exact current percentage execution to the live matrix rather than repeating stale old tables.
Let Josh compare the available programs.
Send the city/ZIP, purchase price, credit range, household income and first-time-buyer status.