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Events    

 09/10/2016

Confederated Tribes of the Goshute Reservation 3rd Annual Youth Contest Powwow

09/12/2016

The Weavers' Stories @ Red Butte Garden

09/14/2016

AAIGS Opening Social @ American Indian Resource Center

11/04/2016

Utah Indigenous Day at Thanksgiving Point

 

Utah Down Payment Assistance Programs

Down Payment Assistance (DPA) Programs are available to help people attain home ownership goals. Programs requirements and guidelines vary and change frequently. Contact the agency to confirm availability of funds and specific details about their program. *It is important to note that "first time home buyers" generally is defined as; an applicant who has not owned a home in the last 3 years or is a single parent who had previously owned with a spouse.

 

Dream Makers Homes for Veterans

Offers up to $5000 grant for down payment and/or closing cost assistance to first-time* home buyers who are Active Duty, Reserve, National Guard or veteran military. The amount of the grant is determined by a 2-to-1 match of the applicant's contribution to the purchase of the property, the minimum contribution is $500. Applicants must close on their home within 90 days of submitting their application. Income must at or below 80% of the area median income limits set by HUD.

Contact: PenFed Foundation

 

Homechoice Homes for People with Disabilities

HomeChoice is a homeownership program for Utah residents with disabilities or have a family member with a disability. The disability must meet guidelines established by the Fair Housing Amendment Act. This assistance is a 1% loan amortized over 30 years for up to 30% of the home's purchase price. There is no prepayment penalty for early payoff. Applicant must contribute $500 of personal funds toward the purchase of the property. Flexibility on credit histories; non-traditional credit is accepted. Parents can act as a non-occupant co-signer for a child with a disability. Income must at or below 80% of the area median income set by HUD.

Contact: Neighborhood Nonprofit Housing Corporation

 

HomeStart and HomeStart Plus

HomeStart offers up to $5000 toward down payment and/or closing costs assistance to home buyers. This assistance is a grant subsidy if the home remains owner occupied for 5 years or if the unit is sold to a very low, low or moderate income household. Income must be at or below 80% of the area median income limits set by HUD. HomeStart Plus offers up to $10000 toward down payment and/or closing costs assistance to home buyers who are currently receiving public housing assistance. This includes transactions involving sale of a Public Housing Unit to public or non-public housing residents, or Public Housing Authority financial assistance to public housing families purchasing a home. This assistance is a grant subsidy if the home remains owner occupied for 5 years or if the unit is sold to a very low, low or moderate income household. Income must be at or below 80% of the area median income limits set by HUD. Grants are administered by a member bank of Federal Home Loan Bank of Des Moines.

Contact: List of Participating Organizations

 

Native American Homeownership Initiative

 Native American Homeownership Initiative (NAHI) Program offers up to $10000 for down payment assistance and/or closing costs. At least one of the adult members of the households being assisted must be an enrolled member of a Federally Recognized Tribe, a member or shareholder of an Alaska Village or Regional Corporation, or Native Hawaiian eligible to reside on Hawaiian Home Lands. Total annual household income must be at or below 80% of the area median income limits set by HUD. Eligible households must be determined using the greater of the area median income 1) published annually by HUD, or 2) the applicable NAHASDA income limits for eligible Native American households published annually by HUD. This assistance is a grant subsidy if the home remains owner occupied for 5 years or if the unit is sold to a very low, low or moderate income household. Grants are administered by a member bank of Federal Home Loan Bank of Des Moines.

Contact: List of Participating Organizations

 

Box Elder, Cache and Rich County Homes

Offers up to $2000 in assistance, for closing costs to first time* home buyers. This assistance is a deferred no-interest loan and will be secured by a trust deed and note and is payable when the property is resold, refinanced, rented, upon death, or transfer of the title. Income must be at or below 80% of the area median income limits set by HUD. 

Contact: Bear River Association of Governments

 

Davis and Morgan County Homes

Offers up to $5000 for down payment and /or closing cost assistance to first time* home buyers. This assistance is a grant subsidy if the home remains owner occupied after 5 years. The applicant agrees to pay a prorated portion of the grant if they should move, sell or refinance the property within 5  years of the purchase of the property. Homes in Fruit Heights, South Weber, Layton or Clearfield City are not eligible. Real property cannot exceed $175,000. Income must be at or below 80% of the area median income limits set by HUD.

Contact: Davis County Housing Authority

 

Layton City Homes

Offers $5000 for down payment, closing costs or principal reduction assistance. This assistance is a grant subsidy if the home remains owner occupied after 5 years. Income must at or below 80% of area median income limits set by HUD.

Contact: Chad Thomas, 801-336-3770, cthomas@laytoncity.org 

 

Logan City Homes

Welcome Home-Own in Logan offers $7500 in down payment and/or closing cost assistance to first time* qualified buyers. This assistance is a grant subsidy if the home remains owner occupied after 10 years. If the home is sold during the first ten year, the subsidy can be transferred to the new buyer if conditions are met. Applicant must provide $500 in personal funds toward down payment or closing costs. Income must be at or below 80% area median income limits set by HUD. The house payment cannot exceed 38% of gross monthly income.

Contact: Welcome Home-Own in Logan

 

Ogden City Homes

Own in Ogden offers down payment assistance in the form of a "no interest, deferred payment" loan. $3000 is available in the overall target area, $5000 is available in Specified Target Neighborhoods, $10000 is available to Ogden City Police Officers, Ogden City Fire Fighters,  and state-certified K-12 teachers and administrators serving Ogden City students. The loan becomes due and payable in full when a borrower discontinues principal residency at the property, sells or transfer interest in the property, or defaults on any of the loan terms of the Own in Ogden Promissory Note and Trust Deed. Applicant must provide $500 in personal funds toward down payment. Home price cannot exceed $200,000 for a single family residence. Income must be at or below 80% area median income limits set by HUD.

Contact: Ogden Community Development-Own in Ogden

 

Provo City Homes

The Home Purchase Plus Program offers up to $10000 in down payment assistance in the form of a "0% interest with deferred payments" loan. Once the loan is no longer the primary residence, the loan is due and payable in full. Applicant must provide $1000 in personal funds toward the down payment or closing costs. Income must be at or below  80% area median income limits set by HUD. The applicant must have a minimum Experian credit score of 650 or above and be employed for 6 months or more. Applicant must be a first time* homebuyer.

 Contact: Provo Redevelopment Agency

 

Salt Lake City, Salt Lake County & Taylorsville Homes

Down payment assistance programs for these areas are administered by Community Development Corporation of Utah (CDCU). They are federal, state and city funded programs available to income eligible first time* home buyers. Funds can be used for down payment and/or closing costs. Assistance is available on a first-come, first served basis-no waiting lists. Home buyer education must be completed prior to application of funds.

Contact: Community Development Corporation of Utah

 

Tooele County Homes

Offers up to $3000 in down payment and/or closing cost assistance in the form of a no interest, deferred payment loan that must be repaid if owners sell, exchange, transfer title, obtain a second mortgage or decide to refinance. Must be a first time* home buyer. Income must at or below area median income limits set by HUD. Applicant must provide $500 of personal funds toward purchase of property.

Contact: Tooele County Housing Authority

 

Utah County Homes

 Loan to Own offers up to $10000 based on need for down payment assistance and/or closing costs minus prepaid items in the form of a 0%, deferred loan. The loan is due and payable when the property ceases to be owner occupied. All cities qualify (including unincorporated Utah county) except; Alpine, Lehi, Woodland Hills and Provo. Must be a first time* home buyer, be on current job at least six months and have a credit score above 650 with no unsatisfied judgements or collections. Income must be at or below area median income limits set by HUD. Applicant must contribute $1000 of personal funds toward the purchase of the property.

Contact: Provo City Redevelopment Agency-Loan to Own

 

Wasatch County Homes

Offers up to $20000 for most home purchases in Wasatch County, based on actual need. This assistance is a 2% loan, amortized over 30 years. This program does have a prepayment penalty; if the home is sold or refinanced during years 1-4 of occupancy, the loan is recalculated at 6% interest, if the home is sold or refinanced during years 4-6 of occupancy, the loan is recalculated at 5% interest. After 6 years of occupancy the 2% rate is guaranteed for the life of the loan. Must be first time* home buyer and a current resident of Wasatch County. See website for minimum investment in purchase. Income must be at or below 80% area median income set by HUD.

Contact: Wasatch County Housing Authority

 

 West Jordan Homes

 Offers up to $4999 for down payment assistance and one-time closing costs in the form of a 0%, deferred payment loan. After five years the loan is forgiven and no repayment is due. Applicant cannot have owned a home within the last 24 months. Cosigners are not allowed. Income must be at or below 80% of area median income set by HUD. Purchase price cannot exceed $198,500. Applicant is required to provide a minimum of $2000 of personal funds into the home purchase.

Contact: West Jordan City CDBG Programs & Services

West Valley Homes

 Offers up to $7500 for down payment assistance and/or closing costs assistance to purchase a home up to $235,000. The grant/loan must be repaid if the applicant sells, transfer title, refinances or moves within the first five years of ownership. Income must be at or below 80% area median income set by HUD. Applicant must contribute a minimum of $2000 toward the purchase of the home. The applicant must not be committed (bid, offer, purchase agreement or earnest money) on any property until loan approval and Home buyer education class certificate is received by West Valley City.

Contact: West Valley City Housing Authority and Grants Division