First-Time Buyer Programs
Utah Housing, Washington County, St. George City, REACH Foundation, and federal programs — all mapped for Washington County first-time buyers.
Filter by program type or browse all. Click any program for full details, eligibility requirements, and how to apply.
Deferred Loan (0% Interest)
State-funded program providing up to $20,000 for down payment, closing costs, or rate buydown on newly built homes. 0% interest, no monthly payments — repaid on sale or refinance.
Second Mortgage (30-yr Fixed)
Second mortgage at 1% above your first mortgage rate. Up to 6% of first loan amount (or $25K max for conventional). Use for down payment and closing costs.
First Mortgage (30-yr Fixed)
Utah Housing's flagship first-time buyer mortgage. 660 minimum credit score, income limits by household size/county, reduced MI on conventional option. 60+ participating lenders.
True Grant (No Repayment)
Grant up to $2,500 for down payment and closing costs that never needs repayment. Available through Utah Housing Corporation for qualified veterans purchasing their first primary residence.
Forgivable Grant
Forgivable grant up to $25,000 for down payment and closing costs. Must be a law enforcement officer in Utah. Forgiven over 5 years of continued service. Can combine with Utah Housing loans.
Deferred Loan (0% Interest)
Provides 3% of purchase price up to $15,000. No interest, no payments — repaid when you sell the home. Available county-wide for owner-occupied single family, townhome, or condo. First-time buyer (3-year rule) required.
Forgivable Grant (36 Payments)
3.5% of purchase price with zero interest and no payments. After 36 on-time mortgage payments, the entire grant is forgiven — never needs repayment. 600 minimum credit score, no income restrictions.
Repayable Grant (10-Year Term)
5% of purchase price provided as a grant requiring monthly repayment over 10 years. 600 minimum credit score, no income restrictions. Higher assistance amount for buyers who can support monthly payment.
Stackable Grant
Up to $2,500 grant for first-time buyers (3-year rule). 1-unit principal residence only. Homeownership education required. Key advantage: can be stacked with other grant programs for maximum assistance.
True Grant (Never Repaid)
True grant of 3.5% that never needs repayment. Qualify by being a first-time buyer, single parent, OR working in: first response, education, medical, or civil service. No income limits for qualifying professions.
USDA Rural Development Loan
USDA Rural Housing provides 100% financing (no down payment) for homes in designated rural areas. Much of Washington County qualifies — excludes St. George, Bloomington, Bloomington Hills, Santa Clara, and Washington city limits. Income limits apply but are liberal.
Deferred Loan (0% Interest)
City of St. George offers a zero-interest loan up to $10,000 for eligible first-time buyers purchasing new construction. Can layer with Utah Housing SB 240 and REACH grant for up to $35K+ combined. Limited funding — check availability.
True Grant (No Repayment)
Washington County Board of REALTORS® REACH Foundation offers a $5,000 true grant (no repayment) for first-time buyers. Applications open Feb 1–Mar 1, 2026 (CLOSED for 2026); next round anticipated fall 2026. Owner-occupied, 640+ credit, REALTOR® pre-qual required.
Connect with Dan Stewart
Dan Stewart with The Finest Homes @ Red Rock Real Estate can help you understand which programs fit your situation and connect with a lender for exact terms.
Phone: 435-862-3242
Email: washingtoncountyproperties@gmail.com
Serving: St. George and greater Washington County, Utah
Private 3-minute intake
Share planning ranges—not account numbers. Your location is used only to understand the market where you hope to buy and the services that may be available there.
Program details can change. Funding availability varies. Confirm eligibility, pricing, rates, and repayment terms with a participating lender and the administering agency.