: Offers $10,000 for first-time buyers with a score above 640. Utah Bad Credit Mortgage Loan
: This state-specific program is designed for buyers who do not meet standard credit requirements. It requires a minimum mid-score of 620 and pairs an FHA first mortgage with down payment assistance. buying a home in utah with bad credit
: 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". : Offers $10,000 for first-time buyers with a
: A $10,000 forgivable grant for buying in Layton. : For homes in eligible rural areas of
: If you are a veteran or active-duty service member, VA loans often have no official minimum credit score (though many lenders prefer 580–620) and require $0 down payment .