: This state-specific program is designed for buyers who do not meet standard credit requirements. It requires a minimum mid-score of 620 and pairs an FHA first mortgage with down payment assistance.
Utah offers some of the most generous assistance in the country, which can be "stacked" to cover upfront costs: buying a home in utah with bad credit
: If you are a veteran or active-duty service member, VA loans often have no official minimum credit score (though many lenders prefer 580–620) and require $0 down payment . : This state-specific program is designed for buyers
: Offers $10,000 for first-time buyers with a score above 640. Utah Bad Credit Mortgage Loan : Offers $10,000 for first-time buyers with a
: UHC provides second mortgages (like the FirstHome or Score Loan DPA) that can cover up to 4%–6% of your loan amount for down payments and closing costs. Local Grants : Own in Ogden : Up to $20,000 for first-time buyers in Ogden.
: For homes in eligible rural areas of Utah (like parts of Tooele or Box Elder counties), these offer $0 down payment for scores typically starting at 640 , though exceptions sometimes exist for lower scores with "compensating factors".