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2016-01-29 17:17:29
FREE Grant $ and Down Payment Assistance Programs


Many of my clients and also people I talk to have no idea there is FREE grant money available to help get into a home, and also other down payment assistance programs.  

National Homebuyers Fund (NHF) Platinum Program 

This program is a grant that does not have to be repaid!!!!! 

Here’s some quick information:

  • Primary residences only  (owner occupied)
  • You do NOT have to be a first time home buyer
  • Grant funds can be up to 5% of the loan amount depending on the program type
  • Grant funds may go towards down payment and/or closing costs
  • Available in conjunction with Conventional, FHA, VA and USDA mortgages
  • 640 minimum credit score
  • 45% maximum debt to income ratio
  • Income limits do apply (see below).
  • Maximum loan value is $417,000.  

Income limits for FHA, VA and USDA:

  • Salt Lake County: $83,030
  • Utah County: $78,430
  • Davis County: $84,525
  • Other Counties contact us to help you determine!  

Income limits for Conventional:

For more detailed information about the current NHF Program and to learn more contact us today!

Utah Housing and USDA

There are also down payment assistance (DPA) programs available through Utah Housing.  These are loans that have to be paid back, but can help with down payments and closings costs to get into a home.  There are income limitations, and contact us for more information.

Did you know there are USDA Rural Housing Loans with no down payments and low interests rates?  Yes the same government entity that oversees meat in the U.S.  These programs are limited to certain areas, but do include Saratoga Springs and Eagle Mountain in Utah counties.  There are also income limitations so contact us today to learn more!  

Call us today to learn more about all these programs and see if you qualify!!!!


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