01
Your goal
The home or property you have in mind and the timing you’re working toward.
DPA · Loan guide
Down payment assistance loans.
Start with your situation.
Review local and state assistance alongside repayment terms, eligibility, and the total payment.
How this program works
What changes the fit.
Utah and Idaho cities on this desk use the same person and a program that has to match the house.
Down payment assistance is a set of local and state programs, not one product. Some are grants. Some are silent second mortgages. Some have to be repaid if you sell or refinance inside a set number of years. Utah Housing is one path. City and county programs around Utah County and Salt Lake open and close as the funding is used.
The useful comparison is cash to close and the total payment, next to a family gift if you have one. Assistance that saves money on day one and costs more every month is not automatically the right loan. Check that the program is funded for that address before the offer assumes it.
Who this may fit
Buyers who want to explore help with upfront costs.
What to discuss
- County and city programs change
- Confirm eligibility and funding availability early
- Compare assistance with eligible gift funds
From an option to a plan
Three things to bring.
A first conversation can help you understand the details before a full application.
02
Your income picture
How you earn, what documentation you have, and the monthly payments already in your budget.
03
Your funds
The down payment, reserves, and closing-cost budget you want to work with.
Program availability, terms, and eligibility depend on the lender and your complete application. This overview is not a commitment to lend.
A real person. A clear next step.
Let’s talk about Down payment assistance.
Bring your questions and the numbers you’re working with. Brandon will help you understand the options and decide what comes next.
Brandon MaughanUtah & Idaho · 8am–8pm MT
Keep the comparison open