Salt Lake County Down Payment Assistance
Salt Lake County has numerous city-level DPA programs alongside county, federal, and state options. Depending on which city you buy in, you could access $50,000 to $77,500+ in combined assistance.
Available Programs in Salt Lake County
FHLB HELP Program
Open$20,000
Forgivable GrantUp to $20,000 in forgivable assistance available throughout all of Salt Lake County. Forgiven after 5 years of owner occupancy.
Murray City DPA
Limited Funds$30,000
Forgivable GrantUp to $30,000 forgivable after 5 years for homes purchased in Murray. Limited funding remains — apply early.
Agency: Murray City
Limited funds remaining. Contact us for current availability.
Midvale City DPA
Open$30,000
Forgivable GrantUp to $30,000 in down payment assistance for homes in Midvale. One of the most generous city-level programs currently funded in Salt Lake County.
Agency: Midvale City
SLC Own In DPA
Opening Soon$20,000
Forgivable GrantSalt Lake City's $20,000 forgivable grant for homes within SLC limits. Currently paused pending new funding.
Agency: Salt Lake City Housing
Currently paused. Check back for reopening announcements.
SLC Plus DPA
Opening Soon$30,000
Forgivable GrantAn enhanced DPA option in Salt Lake City offering up to $30,000 in forgivable assistance. Currently paused.
Agency: Salt Lake City Housing
Currently paused. Historically reopens when new CDBG/HOME funding is allocated.
West Jordan DPA
Check Status$20,000
GrantUp to $20,000 in DPA for homes in West Jordan. Availability fluctuates — contact us for current status.
Agency: West Jordan City
South Jordan DPA
Check Status$20,000
GrantUp to $20,000 in DPA for homes in South Jordan. Availability fluctuates — contact us for the latest.
Agency: South Jordan City
Community Lending Incentive
Open$4,500
GrantA $4,500 location-based incentive in designated census tracts. No income limits — qualification depends entirely on the property's location.
No income limits — purely location-based.
UHC FirstHome Loan
OpenUp to $27,500
Deferred LoanUtah Housing Corporation's statewide DPA with multiple assistance tiers. Works alongside city and county programs.
Stack Programs for Maximum Savings
These programs can be combined on a single purchase
Example for a Midvale buyer in a qualifying census tract. Murray buyers can access similar totals. In Salt Lake City proper, totals can reach $77,500+ when SLC programs reopen.
Salt Lake County Income Limits (80% AMI)
Based on 2025 HUD income limits for Salt Lake County at 80% of Area Median Income. The Community Lending Incentive has no income limits.
How to Apply
Check Your Eligibility
We review your income, household size, and target purchase area to determine which programs you qualify for. This takes about 15 minutes.
Get Pre-Approved
We handle your mortgage pre-approval and identify the best loan structure to maximize your DPA benefits. Most programs require a pre-approval letter.
Find Your Home
Shop for a home within the program’s geographic and price limits. Your real estate agent can help you target qualifying areas.
Submit DPA Applications
We prepare and submit all DPA applications on your behalf. Since the documentation overlaps with your mortgage file, this adds minimal extra work for you.
Close on Your Home
DPA funds are applied at closing to cover your down payment and/or closing costs. You walk away with keys and potentially thousands in savings.
Required Documents
- Pre-approval letter from your lender (we handle this)
- 2024 federal income tax returns for all household members
- 2 most recent months of pay stubs for all working household members
- Accepted Real Estate Purchase Contract (REPC)
- Government-issued photo ID
- Bank statements (most recent 2 months)
- Social Security cards or ITIN documentation
Frequently Asked Questions
Which Salt Lake County cities have their own DPA programs?
Murray ($30K, limited funds), Midvale ($30K, open), Salt Lake City ($20K–$30K, paused), West Jordan ($20K, check status), and South Jordan ($20K, check status) all have city-specific programs. We track funding status for all of them and can tell you exactly what's available today.
What if my city doesn't have its own program?
The FHLB HELP Program ($20,000 forgivable) and UHC FirstHome (up to $27,500) are available to buyers in every Salt Lake County city. The Community Lending Incentive ($4,500, no income limits) may also apply depending on the property's census tract.
When will Salt Lake City's DPA programs reopen?
SLC Own In and SLC Plus are both paused pending new funding allocations. Historically they reopen when new CDBG or HOME funding is released. We monitor this closely and notify pre-approved clients immediately when funds become available.
Can I use DPA for a condo or townhome in Salt Lake County?
Yes, most DPA programs in Salt Lake County can be used for condos, townhomes, and single-family homes as long as the property is your primary residence and meets the program's price limits. Some programs may have additional property requirements.
We Handle Everything
The documentation for DPA programs overlaps heavily with your mortgage application. We prepare and submit all applications on your behalf — at no extra cost.
Questions? Call us directly
(801) 820-7620Program Status at a Glance
Not sure which programs you qualify for?
Get a free personalized analysis in 15 minutes. We'll identify every dollar of assistance available to you.