FirstHome Loan with Down Payment Assistance in Utah County, Utah
UHC FirstHome + DPA: Traditional DPA second: up to 6% of the first mortgage loan amount; Deferred DPA second: up to 3.5%; each not to exceed $27,500 (30-year fixed second mortgage). In Utah County the income limit is $143,000 (Family size 1-2) and $165,200 (Family size 3+) and the purchase price limit is $769,100, per Utah Housing Corporation's limits table (see the effective-date note below).
Program status, checked November 14, 2026
No pause or out-of-funds notice on the agency's program page
The agency does not publish a funding-status page. Confirm with a participating lender.
Status source. Funding and pauses change without notice; confirm with a participating lender.
UHC FirstHome + DPA income limits in Utah County
| Household | Income limit |
|---|---|
| Family size 1-2 | $143,000 |
| Family size 3+ | $165,200 |
Total annual household income of all household members signing the first mortgage note and/or deed of trust (Form 311); one table for the whole county, no targeted-area split.
Source: Utah Housing Corporation limits table. Effective: Not printed on the table page; UHC's Recent Updates lists 'May 29, 2025: Changes in Income and Acquisition Cost Limits' as the latest limits change; page read 2026-11-14..
Purchase price limit in Utah County
| Limit | Amount |
|---|---|
| Maximum acquisition cost (purchase price) | $769,100 |
FirstHome has a maximum acquisition cost; the FHA/VA and HFA Advantage first mortgages have no purchase price limit and are capped by FHA or Freddie Mac loan limits.
What UHC FirstHome + DPA gives and the rules
Amount: Traditional DPA second: up to 6% of the first mortgage loan amount; Deferred DPA second: up to 3.5%; each not to exceed $27,500
Form: 30-year fixed second mortgage. Traditional: interest 1% above the first mortgage rate (not above 8%, not below the first mortgage rate), repaid monthly. Deferred: 3.5% interest, no monthly payment, principal and deferred interest due at maturity, sale or refinance.
- First-time buyer: required. A borrower who has not had an ownership interest in a principal residence in the three years before the loan is signed; exceptions for single parents and veterans (Form 311, Form 305).
- Minimum credit score: 660.
- Homebuyer education: FirstHome Government: homebuyer education recommended, not required. FirstHome Conventional (680 minimum FICO): at least one borrower must complete it before the note date when all occupants are first-time buyers.
- Must pair with: A Utah Housing first mortgage (FirstHome, FHA or VA, or Freddie Mac HFA Advantage); the DPA second is not offered alone.
- No minimum borrower contribution or reserves required unless underwriting needs them (Form 305).
- Owner-occupied primary residence only; no vacation homes, second homes or short-term rentals (Form 311).
- FirstHome: 660 minimum FICO government, 680 conventional (Form 311, rev. 10/02/2026).
- FirstHome has maximum household income limits and a maximum acquisition cost by county (UHC limits page).
- Rural acreage limit 5 acres, 1 acre elsewhere; no part of the residence may be rented under FirstHome (Form 305, rev. 06/01/2025).
How to apply
Through a UHC approved participating lender; UHC tells buyers to say they want a Utah Housing loan. Find a participating lender
Check your household
These limits are set by Utah Housing Corporation, not HUD. Utah County HUD income limits → Utah first-time buyer programs →
Frequently asked questions
What is the UHC FirstHome + DPA income limit in Utah County?
Family size 1-2: $143,000; Family size 3+: $165,200. Total annual household income of all household members signing the first mortgage note and/or deed of trust (Form 311); one table for the whole county, no targeted-area split. Per Utah Housing Corporation's limits table (Not printed on the table page; UHC's Recent Updates lists 'May 29, 2025: Changes in Income and Acquisition Cost Limits' as the latest limits change; page read 2026-11-14).
What is the UHC FirstHome + DPA purchase price limit in Utah County?
Maximum acquisition cost (purchase price): $769,100. FirstHome has a maximum acquisition cost; the FHA/VA and HFA Advantage first mortgages have no purchase price limit and are capped by FHA or Freddie Mac loan limits. Per Utah Housing Corporation's limits table.
Is UHC FirstHome + DPA open right now?
No pause or out-of-funds notice on the agency's program page. The agency does not publish a funding-status page. Confirm with a participating lender. Checked November 14, 2026; confirm with a participating lender before you rely on it.
Sources
- Income and Purchase Price Limits page (FirstHome table; no effective date printed)
- Fact Sheet FirstHome Mortgage, Form 311 Rev. 10/02/2026
- Loan Program Overview with DPA terms, Form 305 Rev. 06/01/2025
- Down Payment Assistance page
- Recent Updates / Memorandums
- Utah Housing Corporation
Checked November 14, 2026. Every figure above is copied from the agency documents listed here; we do not compute or estimate limits.
Other counties for UHC FirstHome + DPA
General information, not lending advice. Program rules, limits and funding change; confirm with Utah Housing Corporation and a participating lender.
Utah County overview