Down Payment Assistance

Links and Documents

DPA Info Sheet & Process

"Own in" DPA Application


Summary of DPA Programs in Utah

Click below to download a list of DPA programs throughout Utah. All information may not be current & is subject to change at any time.

DPA Programs in Utah

DPA grants for down payment assistance are made available through an annual competitive process, and for the program year 2023 which runs July 1st  2023 through June 30th 2024 DPA funds were not awarded for Salt Lake County. CDCU is not accepting applications at this time and there is no exact date on when CDCU will be able to accept them again.
While waiting for funds to be replenished, we suggest:
  1. Taking a HUD-approved home buyer education class. This is a requirement for most down payment assistance programs. Usually the certificate you earn from this class is valid for a year. To find a Home Buyer Education class please go to our Home Buyer Services page to find a link to the Framework online class. You can also click on the In-Person Classes link to show a list of other agencies who provide Home Buyer Education classes.
  2. Determine what area you want to live in. This helps you decide which down payment assistance program you can apply for and when to apply. Check out the Summary of DPA Programs in Utah box to your right for a list DPA programs that we have found throughout the state.
  3. Subscribe to CDCU's mailing list because once we receive funding again and are ready to accept applications, we will send an email blast. You can subscribe by going to the bottom of any of our website pages and submitting the requested information.
  4. Keep checking our DPA page because this will be the first place that will be updated with any information.
Down Payment Assistance (DPA) is designed to assist low-to-moderate income (LMI) households in need of funds to cover the required down payment and/or closing costs for the purchase of a home. DPA is awarded as a deferred loan with no payments and no interest that is forgivable after a period of time. DPA is available for Salt Lake City, Salt Lake County (funds are very limited in specific cities) and Taylorsville residents.
Eligibility review results will be provided within 5 business days after a fully completed application is submitted. Incomplete applications will cause delays and may not be approved. Entire processing time takes 25-30 business days. CDCU will not process rushes under any circumstance. The DPA funds are very limited for specific cities within Salt Lake County and qualified applicants will receive their financial award on a first come, first qualified basis. No waiting list, no funds reserved.
See below for Funding Availability & Qualifications. For more details about the programs please refer to the links on the right.
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Salt Lake County


Eligible Cities — Property must be within the boundaries of: Alta, Bluffdale, Cottonwood Heights, Draper, Herriman, Holladay, Midvale, Millcreek, Murray, Riverton, South Salt Lake, and the 5 Metro Townships of Copperton, Emigration Canyon Kearns Magna White City, and the balance of Unincorporated County, according to the Salt Lake County Assessor.

The Salt Lake County program can only cover 50% of the required down payment. Applicants are responsible for covering the remaining 50%; all closing funds can still be covered. Applicants must also be a first time home buyer as defined by HUD.

LIMITED FUNDS AVAILABLE for Sandy, South Jordan, West Jordan, & West Valley City.

Salt Lake City


Property must be within the municipal boundaries of Salt Lake City according to the Salt Lake County Assessor.

Taylorsville City


Property must be within the municipal boundaries of Taylorsville City according to the Salt Lake County Assessor.

  • Applicants must be a first time home buyer as defined by HUD
  • For Own in Salt Lake City, Salt Lake County & Taylorsville Programs-Applicant(s) must be household income eligible at or below 80% of the Area Median Income (AMI). See Income limit chart on application
  • Applicant(s) must occupy the purchase property as the principal residence during the entire term of the deferred loan.
  • Property must be within eligible city boundaries.
  • Applicant(s) must be under contract to purchase a property at the time of submitting an application.
  • Purchase property must be owner occupied. If purchase property is tenant occupied (rent-free or renting) by any person other than the household's immediate family, DPA funds cannot be awarded.
  • Housing(front-end) ratio cannot exceed 35%-40%. Debt-to-Income/DTI (back-end) ratio cannot exceed 45%-50% of the household monthly gross income.
  • Applicant(s) must meet cash reserve requirement to cover at least one month of the total monthly housing expenses included in the front-end ratio after purchase.
  • Applicant(s) must meet minimum residual income guidelines depending on household size.
  • Any applicable assets that have a balance over $10,000 must be invest the amount over $10,000 to the purchase of the home by the homebuyer.
  • Applicant(s) are required to contribute a minimum of $1,000 in personal funds towards the transaction. Gift funds are not considered personal funds.
  • Applicant(s) must complete a counseling session from a HUD-approved agency and a Homebuyer Education course from an approved course provider:
Application Delivery
Please send complete applications to
FAX: 801-994-7220 Attn: DPA Dept.
ADDRESS: 501 E. 1700 S. SLC UT, 84105
Processing Time 25-30 business days (See DPA Info Sheet & Timeline link)
Questions and Additional Information
If you have any questions or concerns regarding the different DPA programs or the application process please contact our office (801)-994-7222 TY711 or email us at . Se habla español, se fala Português; interpretation services are available upon request.