Utah Grants There are many grants available in this State to assist a home buyer purchase a home. By using these grants it makes it possible to purchase a home with little or no money down.  Below is a list of some of the grants available, as well as contact information for each. Some are State sponsored grants. Some are sponsored on the county or municipality level.  Understand that many of these grants have limited funding, and most have income restrictions, so it is important to work with your mortgage lender and the non profit administering the grant program to ensure availability of funds.  State Sponsored Bank Sponsored Matching Funds Programs Community/local Sponsored Grants Seller Funded Down Payment Assistance Programs State Sponsored  Utah Housing Corps FIRSTHOME PLUS offers financial assistance for first-time homebuyers who do not have personal or family finances with which to pay their down payment and closing costs.  These costs generally average 5% - 6% of the home purchase price. Applicants can borrow up to 6% of the amount of their first mortgage using a second mortgage that will have the same term as the first mortgage, but an interest rate exactly 1% higher.  Below is a link to the State’s web site:  http://b2b.utahhousingcorp.org/cgi-bin/R?P=uhc_home.html  Bank Sponsored Matching Funds Programs  Banks that are members of the Federal Home Loan Banking system also offer IDA savings accounts. Visit the Regional Federal Home Loan Bank web site for more information. Community/local Sponsored Grants Multi Counties Bear River Association of Governments First Time Homebuyer Program (FTHB)  (435) 752-7242  Multi Counties Housing Services of Utah Valley Loan to Own Program (LTO)  (801) 852-6164  Ogden Lincoln Court Townhomes Down payment Assistance Program (DAP)  (801) 629-8942  Ogden Own-in-Ogden Program  (801) 629-8942  Ogden Urban Homestead Program (UHP)  (801) 629-8942  Provo 80/20 Down Payment and Closing Cost Assistance Program (DPA)  (801) 852-6160  Provo Down Payment and Closing Cost Assistance Program (DPCCA)  (801) 852-6160  Provo Neighborhood Housing Services, Inc. Down Payment and Closing Cost Assistance Program (DPCCP)  (801) 375-5820  Salt Lake Community Development Corporation of Utah Own in Salt Lake Down payment Assistance Program (DAP)  (801) 994-7222  Salt Lake Neighborhood Housing Services Inc A Home to Own Program (DAP)  (801) 539-1590  Tooele County Down Payment Assistance Program (DAP)  (435) 882-7875  West Jordan Down Payment Assistance Program (DPA)  (801) 569-5060  West Valley City Home Ownership Program (HOP)  (801) 963-3280  Seller Funded Down Payment Assistance Programs There are several non profit organizations that allow a seller to “donate” funds to them at closing, which is then given to the buyer as a down payment assistance grant. Presently, the federal government is reviewing these programs to determine whether this practice is an acceptable lending practice. By using one of these programs it is possible to purchase a home with little or no money. The seller needs to be a motivated seller, and the home needs to be priced correctly. Usually the sales price is inflated to cover the “donation”. The home must be able to appraise at the inflated price. These programs are initiated by the lender, so it is important to work with a local lender before you start looking for a home. The lender will also know how present legislation is affecting the program. The two most commonly used programs are The American Dream DAP and The Nehemiah DAP. Below are links to their web site. American Dream:  http://www.americandreamdownpaymentassistance.com/dpa_app.cfm Nehemiah Corp:    http://www.nehemiahcorp.org/