RedHouseSavings — Utah DPA Eligibility

Utah County · 2026 · HUD-Certified Programs

Discover which Utah County down payment assistance programs you qualify for — 0% interest, no monthly payments, up to $60,000.

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Available programs

Three programs.
One platform.

Utah County offers up to $60,000 in 0% interest deferred assistance. Find out exactly which programs you qualify for — instantly.

21 cities

$40K

Loan to Own

Utah County

0% interest Deferred 80% AMI

Credit minimum: 650

Contribution: $1,000 personal

Due when: sell, move out, or cash refi

Check eligibility

Provo only

$60K

Home Purchase Plus

Provo City

0% interest Deferred First-time buyer

Requirement: No home owned in 3 yrs

Income: At or below 80% AMI

Due when: no longer primary residence

Check eligibility

Eagle Mtn only

$25K

MAP Program

Eagle Mountain City

0% interest 120% AMI Forgiven at 15yr

Income: More flexible — 120% AMI

Forgiveness: Full after 15 years

No credit minimum

Check eligibility

Utah Housing Market · Q1 2026

Know Your Market Before You Buy

Live market data — prices, trends, and buyer leverage updated quarterly so you negotiate from strength.

Statewide Median

$529,000

↑ +1.8% year over year

Days on Market

38 days

↑ +9 days vs last year

Active Inventory

2.4 mo

↑ Rising — more choices

Price Reductions

31%

Of listings cut price

Utah Median Home Value

9 quarters · Zillow ZHVI · statewide

Market Conditions

Buyer vs seller leverage

BUYER'S BALANCED SELLER'S

Transitioning

52% of sellers offering concessions.
Best buyer leverage since 2019.

💡 Up to $60K in DPA + seller concessions = significant savings

Top Utah Markets

Compare Locations

Click any city to learn more about buyer conditions and median prices.

Salt Lake City

High demand, urban core

$525K

MEDIAN

34d

DOM

+1.2%

YOY

Seller-leaning

Eagle Mountain

Fastest-growing city in Utah

$435K

MEDIAN

29d

DOM

+2.8%

YOY

Seller's Market

Tooele County

Most affordable on Wasatch Front

$378K

MEDIAN

42d

DOM

+3.4%

YOY

Buyer-leaning

Daybreak (S. Jordan)

Master-planned, trails, lake

$498K

MEDIAN

36d

DOM

+1.5%

YOY

Balanced

Provo / Orem

BYU proximity, tech employment

$455K

MEDIAN

41d

DOM

+0.9%

YOY

Balanced

St. George

Fastest price growth in state

$489K

MEDIAN

31d

DOM

+4.1%

YOY

Seller's Market

Click any city card above to select it for comparison

Closing Cost Estimator

What You'll Actually Pay

Purchase Price $450,000

Down payment (20%)$90,000

Lender origination (1%)$3,600

Title insurance (0.4%)$1,440

Escrow & settlement$1,350

Recording & misc$350

Total closing costs $7,280

💡 52% of Utah sellers are covering closing costs in early 2026 — always ask.

Required Inspections

Don't Skip These

General Home InspectionREQ$350–500

Radon Test (Utah high-risk)REQ$100–175

Sewer ScopeOPT$150–250

Meth ScreenOPT$75–150

Foundation / StructuralOPT$300–600

Listings With Price Cuts — Utah Trend

% of active listings that reduced asking price · buyer negotiation signal

Simple process

From check to keys in 4 steps

Check eligibility

Enter your city, income, and credit score. Get matched to programs instantly — no credit pull.

Connect with a counselor

A HUD-approved housing counselor follows up within 2 business days to guide your application.

Get approved

Submit your documents. The county reviews and approves your deferred assistance loan.

Close & move in

Funds applied at closing. 0% interest, no monthly payments — just your new home.

Down Payment Assistance — Utah County Programs

Three programs.
One platform.

Do you qualify?

Check Your Eligibility