Buying A Home In Utah | With Bad Credit

: Some local credit unions, such as Utah First , offer flexible products for those with recent bankruptcies or foreclosures. Down Payment Assistance Programs

: Offers $10,000 for first-time buyers with a score above 640. Utah Bad Credit Mortgage Loan buying a home in utah with bad credit

: A $10,000 forgivable grant for buying in Layton. : Some local credit unions, such as Utah

: UHC provides second mortgages (like the FirstHome or Score Loan DPA) that can cover up to 4%–6% of your loan amount for down payments and closing costs. Local Grants : Own in Ogden : Up to $20,000 for first-time buyers in Ogden. : UHC provides second mortgages (like the FirstHome

: For homes in eligible rural areas of Utah (like parts of Tooele or Box Elder counties), these offer $0 down payment for scores typically starting at 640 , though exceptions sometimes exist for lower scores with "compensating factors".

: Up to $50,000 in assistance for income-qualifying buyers.

Utah offers some of the most generous assistance in the country, which can be "stacked" to cover upfront costs: