Provo Down Payment Assistance

Provo home buyers can access the UHC FirstHome Loan (up to 6% of the loan amount), the Welcome Home Grant ($20,000 forgivable), the Utah County Loan-to-Own Program (up to $20,000 deferred), and Provo City housing programs when funded. These programs can often be combined.

Most Provo-area DPA programs require first-time buyer status, which means you haven't owned a home in the past 3 years. Veterans and buyers in targeted census tracts may qualify for exceptions. Contact us for a personalized eligibility review.

Income limits are based on 80% of the Area Median Income (AMI) for Utah County. For a family of four, the limit is approximately $82,250. Limits vary by household size, and all household members' income is counted.

Yes. Stacking is one of the best strategies for Provo buyers. You could combine the Welcome Home Grant ($20,000) with the UHC FirstHome Loan for $35,000+ in total assistance. We coordinate all applications for you.

The median home price in Provo is approximately $420,000 as of 2026. With DPA programs, qualified first-time buyers can significantly reduce their out-of-pocket costs. BYU-area townhomes and condos may be available at lower price points.

The Loan-to-Own program provides up to $20,000 as a deferred loan with low interest. You make no monthly payments on this amount — it's repaid only when you sell, refinance, or pay off your primary mortgage. It can be combined with other DPA programs.

Once you have an accepted offer and documents ready, DPA applications typically take 2–4 weeks to process. We recommend getting pre-approved first so you can move quickly when you find a home in the competitive Provo market.

Yes. Most DPA programs work with single-family homes, condos, and townhomes as long as the property is your primary residence and meets the program's price limits. This makes them a great option for Provo's condo and townhome market.