Utah Housing Programs
Utah Housing Corporation (UHC) offers state-backed mortgage programs and down payment assistance for eligible Utah homebuyers.
Min. Down Payment
Varies by program; DPA can cover some or all of the required down payment
Credit Guidance
Typically 620+ for most UHC programs
Income / DTI
Household income limits apply and vary by county and household size
Occupancy
Primary residence only
Property Types
Utah Housing Corporation (UHC) is a state-chartered agency that provides mortgage financing and down payment assistance to eligible Utah homebuyers. UHC programs are available through approved lenders — including Work Hard Mortgage — and are designed to help lower the upfront cost of purchasing a home. UHC offers several first mortgage products, each with different eligibility requirements. Down payment assistance is provided as a second mortgage at a fixed rate, which helps bridge the gap between what a buyer has saved and what's required at closing. This is not a free grant — it is a loan that must be repaid. Income and purchase price limits apply and vary by county and household size. Buyers who have not owned a home in the past three years may qualify for first-time buyer programs. Utah Housing programs can be a useful tool when evaluated alongside other options. As a UHC-approved lender, we can walk you through current program availability and determine whether any UHC products align with your situation.
Key Benefits
- Down payment assistance available as a second mortgage to eligible buyers
- Programs available paired with FHA, VA, and conventional first mortgage options
- Designed specifically for Utah residents
- Multiple program tiers with different eligibility criteria
Considerations
- Household income limits apply and vary by county and family size
- Purchase price limits apply
- Must work with a UHC-approved lender
- The down payment assistance is a second mortgage — not a grant in most cases — and must be repaid
Frequently Asked Questions
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Have questions about Utah Housing Programs?
Mia can explain this public overview and help you prepare questions for a loan officer. Current terms and eligibility need individual confirmation.
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Work Hard Mortgage · NMLS #2396714 · Equal Housing Opportunity · Licensed in Utah. Program availability and guidelines may change. Final eligibility depends on credit, income, assets, property type, occupancy, and underwriting approval.