Up to $20,000 Utah Housing + $10K St. George Loan + $5K REACH Grant

Utah Housing Corporation offers down-payment assistance up to $20,000 (not an outright grant) for eligible buyers purchasing new construction in Washington County. Requirements: hasn't owned a home in 3 years, 1-year Utah residency, 620+ credit score, income limits apply. The REACH Foundation also offers a $5,000 true grant (no repayment) for Washington County buyers — applications Feb 1–Mar 1, 2026 (CLOSED); next round anticipated fall 2026. Contact a Utah Housing participating lender for current availability.

Signed into law in 2024, this state-funded program provides up to $20,000 in 0% interest, deferred-payment assistance for eligible first-time buyers purchasing new-construction homes priced at or below $450,000. The $50M appropriation serves roughly 2,500 buyers. Funds are repaid on sale or refinance, not monthly.

Yes, the Utah Housing $20K assistance can be layered with the City of St. George zero-interest/zero-payment loan (up to $10K, administered by Five County AOG via nodownutah.com) for buyers in Washington County. Both require a participating lender. Combined assistance may reach $30K for eligible new-construction purchases without REACH.

No. The FTHB assistance from Utah Housing is 0% interest with $0 monthly payment. It is repaid in full when you sell the home, refinance, or otherwise trigger repayment under the program terms. It is not an outright grant.

Only new-construction homes in Utah that have never been lived in, with a purchase price at or below $450,000. Existing homes, resale properties, and homes over the price cap do not qualify for this specific program. Other UHC DPA programs (up to 6% / $27,500) may apply to resale homes.

The program defines 'first-time buyer' as someone who has not owned a principal residence in the last 3 years. This means former homeowners may qualify if it's been 3+ years since their last ownership. You must also have 1 year of Utah residency.

Utah Housing programs typically require a minimum 620 credit score, though exact requirements vary by lender and loan type (FHA, VA, conventional). A participating lender can confirm your specific eligibility and any compensating factors.

Dan Stewart (The Finest Homes @ Red Rock Real Estate) can connect you with vetted Utah Housing participating lenders who know the FTHB and DPA programs. Using a participating lender is required for these programs — not all lenders offer them.

The City of St. George administers a HUD-funded zero-interest, zero-payment loan up to $10,000 for eligible buyers in Washington County, managed by Five County Association of Governments. Details at nodownutah.com/washington. This can layer with the state $20K program.

No. Both the Utah Housing FTHB program and the St. George city program require the home to be your primary residence. Investment properties, second homes, and short-term rentals are explicitly excluded.

The Utah Housing FTHB assistance becomes due in full upon sale, refinance, transfer of title, or if the home ceases to be your primary residence. The St. George city loan has similar terms. This is not a grant — it is deferred repayment.

Yes. Income limits apply and vary by household size and county. For Washington County, the limits are updated annually by Utah Housing Corporation. A participating lender will verify your household income against current limits during pre-qualification.

The assistance approval runs parallel to your mortgage underwriting. Once you're under contract on an eligible new-construction home, your participating lender submits the assistance request to Utah Housing. Typical timeline: 7–14 business days, depending on lender and program volume.

The Washington County Board of Realtors REACH Foundation offers a $5,000 true grant (no repayment, no lien) for down payment or closing costs. Requirements: buy in Washington County, owner-occupied, credit 640+, pre-qualified with lender, close within 12 months, use a REALTOR®. Applications: Feb 1–Mar 1, 2026 (CLOSED); next round anticipated fall 2026. Funds sent to title company at closing. Source: washingtoncountyrealtors.com/reach/

Yes. The REACH Open Door Grant is a true grant (not a loan) and can layer with the Utah Housing FTHB $20K deferred loan and the St. George city $10K zero-interest loan. All three require a participating lender and REALTOR® representation. Combined assistance may reach $35K for eligible new-construction purchases in Washington County when REACH applications are open.