Utah Housing 100% Financing

Down Payment Assistance with 100% Financing Utah Bond Home Loans

Down Payment Assistance

If cash at closing is your challenge, a Utah Housing Corporation Down Payment Assistance* Second Mortgage can help. When combined with our first mortgage, qualified borrowers can purchase a home with little or no cash investment.

To obtain down payment assistance from Utah Housing you must first qualify for a Utah Housing Corp first mortgage home loan. A Utah Housing Corp Approved Participating Lender will qualify you, determine how much down payment and closing cost assistance you need and help you select a Utah Housing Corp home loan that is best for. You may be able to borrow your entire minimum required down payment plus all or a portion of your closing costs on a Utah Housing Corp 30 year fixed rate second mortgage.

Home Loans

Utah Housing Corporation has several first mortgage loan programs to help you purchase a home. When combined with Utah Housing Corporation’s down payment assistance loan a homebuyer can purchase a home with little or no cash investment. A Utah Housing Corporation approved lender can qualify you for a loan that is right for you. 


A Utah Housing Corp Approved Participating Lender and loan officer is the best resource for questions and to qualify you for your Loan. The home can be located anywhere in Utah and includes Single Family homes, PUD’s, Condo’s and Manufactured Homes in Utah. To be eligible for Utah Housing Corp’s down payment assistance program a homebuyer must first qualify for an FHA, VA or Conventional first mortgage loan.

The Utah Housing loan program that is best for you will depend on several factors such as credit score, debt ratios, your income and the purchase price of your home. Utah Housing has programs with credit scores 620 and higher and qualifying income up to $8,900 monthly (properties in Summit county up to $12,500 monthly).

Veritas Funding is a Participating Lender

Veritas Funding is a participating lender and Scott Buehler is authorized by Utah Housing Corporation to originate these loans. Please fill out my questionnaire to begin the pre-qualification** process.

* Eligibility subject to program stipulations, qualifying factors, applicable income and debt-to-income (DTI) restrictions, and property limits. Veritas Funding is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency.

** A pre-qualification is not an approval of credit and does not signify that underwriting requirements have been met.

Do I Qualify?

There's a lot that goes into qualifying for a home loan. Factors such as credit score, debt, income and more play a huge part of the decision making process. Consider taking my questionnaire and we'll discuss your mortgage options.

Loan Programs

First Time Homebuyer

Want a clearer picture of the home buying process? Tap the book below to download my 14-page first time homebuyer booklet.

Scott Buehler Homebuyer Book