Utah Housing FirstHome Loan
Primary mortgage program for first-time and repeat buyers. 660 minimum credit score, income limits by household/county, reduced MI on conventional option. 60+ participating lenders statewide.
Min Credit Score
660
Loan Types
3 Options
Lenders
60+
Term
30 Years
Loan Options Under FirstHome
Conventional
700 min score Purchase price ≤ $151,900 Reduced MI available Homebuyer education required
Best for: Buyers with stronger credit buying lower-priced homes
FHA
620 min score Higher purchase price limits Standard FHA MI applies No education requirement
Best for: Buyers with 620–699 scores needing higher loan amounts
VA
620 min score No down payment required No monthly MI No education requirement
Best for: Eligible veterans & service members
Eligibility Requirements
Borrower
- ✓ First-time buyer (no ownership in 3 years) OR repeat buyer (some programs)
- ✓ Meet income limits (vary by Washington County household size)
- ✓ Credit score minimums: 660 (FirstHome), 700 (Conventional), 620 (FHA/VA)
- ✓ Primary residence only
Property
- ✓ Single-family, condo, townhome, PUD, or manufactured on permanent foundation
- ✓ Located in Utah
- ✓ Within UHC purchase price limits (by county, household, loan type)
- ✓ New or existing homes eligible
Common Pairings
FirstHome + DPA
Add 30-yr second mortgage at +1% for down payment/closing costs (up to 6% / $25K)
FirstHome + SB 240
New construction only: add up to $20K at 0% interest for down payment/costs/rate buydown
VA Loan + Veterans Grant
Eligible veterans: 0% down VA loan + up to $2,500 true grant (no repayment)
FHA/VA + LE Grant
Law enforcement officers: up to $25K forgivable grant layered with FHA/VA UHC loan
Connect with Dan Stewart
Get pre-qualified with a UHC lender.
Dan Stewart connects you with Utah Housing participating lenders for exact rates, terms, and program combinations for your Washington County purchase.
Phone: 435-862-3242
Email: washingtoncountyproperties@gmail.com
Serving: St. George and greater Washington County, Utah
Private 3-minute intake
Build My First-Time Buyer Game Plan
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.
Rates, income limits, and purchase price caps change periodically. Confirm current terms with a Utah Housing participating lender.