Utah Housing

Dedicated to providing affordable housing for low to moderate incomes.

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For many Utahns, the biggest obstacle to owning a home isn’t the monthly payment—it’s saving up for the down payment. The Utah Housing Corporation (UHC) loan program is designed to solve exactly that. As a state-chartered organization, UHC partners with lenders like UCCU to provide affordable loans and down payment assistance, turning the dream of homeownership into a reality for moderate-income families and individuals across our state.

At UCCU, we are proud to be an approved UHC lender, connecting our members with this powerful resource. Our experienced loan officers will guide you through the program’s qualifications, including income and purchase price limits, and help you pair UHC’s down payment assistance with the perfect primary mortgage, such as an FHA or Conventional loan. With UHC and UCCU, you get a home loan solution designed for Utahns, supported by a local team you can trust.

Unlock Your Down Payment

Don’t let the lack of a large savings account hold you back. UHC provides a low-interest loan to cover your down payment and closing costs, making it possible to buy a home much sooner than you think.

A Program for Utahns

This program is specifically designed to help Utah residents buy a home in our local communities. Income and purchase price limits are tailored to our state’s economy, helping to ensure homeownership is achievable.

Paired with Your Perfect Loan

UHC down payment assistance isn’t a standalone product—it works in combination with other great mortgages. We’ll help you pair it with an FHA, Conventional, or other loan type to create the most affordable and effective financing package for you.

Current Utah Housing Corp Grants & Loan Programs

Utah Veteran Grant

Eligible Veterans’ could receive up to $2,500 cash when they purchase a home. The Grant is for members of the military or veterans who separated in the last five years and is a first-time Utah homebuyer.

First-time Homebuyers Assistance Program (New Construction)

Up to $20,000, to assist approximately 2,400 first-time homebuyers in purchasing a newly constructed home to assist with down payment, buydown, and closing costs.

Utah First-time Homebuyer Law Enforcement / Correctional Officer Assistance Program

This program is to help recruit and retain Utah Law Enforcement and Correctional Officers in Utah.

Your Local Utah Housing Experts

Navigating the details of a state-sponsored program can feel complex, but with UCCU, you’re never on your own. As an experienced, approved UHC partner, we understand the program inside and out. Our loan officers provide one-on-one guidance to make the process simple and clear, from checking your eligibility to closing on your new home. Choosing a local lender means you get personalized support from someone who is invested in your success.

Your Guide to Grants & Down Payment Assistance

The Utah Housing Corporation program is a fantastic option, but it’s not the only one out there. Our dedicated mortgage team are experts in identifying and securing a wide variety of down payment assistance programs, including local, state, and federal grants. We take on the research for you, determining every program you qualify for to ensure we maximize your assistance and make your home purchase as affordable as possible.

A Stepping Stone to Your Financial Future

A UHC loan is a brilliant strategy for getting into your first home and beginning to build equity. As your home’s value increases and you pay down your loan, new opportunities will open up. Many homeowners later choose to refinance their UHC and primary mortgage into a single, new loan to simplify their payments or even eliminate mortgage insurance. Our team will be here for the long term, ready to help you leverage your home equity and take the next step in your financial journey.

Ready to find out if a Utah Housing Corporation loan is your key to homeownership? Talk to a UCCU loan expert today to learn more and see if you qualify.

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