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First-Time Buyer loans in Utah

Quick answer

First-time buyers in Utah can use FHA (3.5% down), conventional 97 (3% down), VA or USDA loans, plus programs from Utah Housing Corporation. On a $455,000 home, 3% down is about $13,650.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

First-Time Buyer loan snapshot for Utah

ItemEstimate
Minimum down payment0%–3.5%
Minimum credit score580–620
Typical UT home value$455,000
3.5% down on typical home$15,925
20% down on typical home$91,000
Avg. effective property tax0.53%/yr (~$201/mo)
Income for typical home (31% rule)$137,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Utah programs pair with First-Time Buyer loans?

  • FirstHome: Loans for first-time buyers with income and price limits.
  • HomeAgain: Assistance for first-time and repeat buyers as a second mortgage.

Details and current limits: Utah Housing Corporation.

Compare first-time buyer loan options

LoanMin. downMin. creditMortgage insurance
FHA3.5%5801.75% upfront + annual MIP
Conventional 97 / HomeReady / Home Possible3%620PMI, removable
VA0%Lender-set (~580–620)None (funding fee)
USDA0%~6401% upfront + 0.35% annual

Who counts as a first-time home buyer?

Under HUD and most agency definitions, you're a first-time buyer if you haven't owned a principal residence in the last three years. Single parents and displaced homemakers who only owned with a former spouse may also qualify.

First-Time Buyer loans in Utah cities

First-Time Buyer in Salt Lake CityFirst-Time Buyer in West Valley CityFirst-Time Buyer in West JordanFirst-Time Buyer in ProvoFirst-Time Buyer in St. GeorgeFirst-Time Buyer in OremFirst-Time Buyer in SandyFirst-Time Buyer in OgdenFirst-Time Buyer in LaytonFirst-Time Buyer in LehiFirst-Time Buyer in South JordanFirst-Time Buyer in MillcreekFirst-Time Buyer in TaylorsvilleFirst-Time Buyer in HerrimanFirst-Time Buyer in LoganFirst-Time Buyer in DraperFirst-Time Buyer in MurrayFirst-Time Buyer in Eagle MountainFirst-Time Buyer in BountifulFirst-Time Buyer in RivertonFirst-Time Buyer in Saratoga SpringsFirst-Time Buyer in Spanish ForkFirst-Time Buyer in RoyFirst-Time Buyer in Pleasant GroveFirst-Time Buyer in TooeleFirst-Time Buyer in Cedar CityFirst-Time Buyer in Kearns metroFirst-Time Buyer in MidvaleFirst-Time Buyer in SpringvilleFirst-Time Buyer in American ForkFirst-Time Buyer in SyracuseFirst-Time Buyer in Cottonwood HeightsFirst-Time Buyer in ClearfieldFirst-Time Buyer in KaysvilleFirst-Time Buyer in HolladayFirst-Time Buyer in WashingtonFirst-Time Buyer in Magna metroFirst-Time Buyer in South Salt LakeFirst-Time Buyer in FarmingtonFirst-Time Buyer in ClintonFirst-Time Buyer in North Salt LakeFirst-Time Buyer in PaysonFirst-Time Buyer in HurricaneFirst-Time Buyer in North OgdenFirst-Time Buyer in West HavenFirst-Time Buyer in Brigham CityFirst-Time Buyer in HighlandFirst-Time Buyer in BluffdaleFirst-Time Buyer in South OgdenFirst-Time Buyer in HeberFirst-Time Buyer in CentervilleFirst-Time Buyer in SantaquinFirst-Time Buyer in SmithfieldFirst-Time Buyer in GrantsvilleFirst-Time Buyer in VineyardFirst-Time Buyer in MapletonFirst-Time Buyer in LindonFirst-Time Buyer in West PointFirst-Time Buyer in Woods CrossFirst-Time Buyer in North Logan

Frequently asked questions

Yes. First-Time Buyer loans are available statewide in Utah through approved lenders, subject to county loan limits where they apply.

Often yes. Utah Housing Corporation and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Utah.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.