Downpayment assistance

CLICK HERE to see the list of Down Payment Assistance Programs All Across Utah

Do You Need Downpayment Assistance?

Find Out Your eligibility TODAY...

Struggling with the down payment?
You're not alone—and you're not out of options.

Good news: There are grants, second mortgages, and even forgivable loans available right here in Utah that could cover part—or even all—of your down payment. Whether you're a first-time buyer or haven't owned in 3+ years, there’s likely a program designed for you.

What Is Down Payment Assistance?

Down Payment Assistance (DPA) helps homebuyers cover one of the biggest hurdles to homeownership: the upfront cost. These programs sometimes come bundled with a loan program for the mortgage.

They come in 3 forms:

✅ Grants – Free money you don’t have to pay back
✅ Second mortgages – Some are deferred or forgiven after a few years.
✅ Tax credits – Reduce your out-of-pocket housing costs

Most are geared toward first-time buyers, teachers, veterans, or buyers with low to moderate incomes. Credit and income rules apply—but they’re more flexible than you might think.

Begin the home buying journey on the right foot by securing a clear mortgage plan. Having a solid financial strategy in place will ensure that your home search is guided by practical considerations, rather than emotions alone.

In which state are you looking to purchase a property?

*

What type of property are you interested in purchasing?

Are you a first-time home buyer?

What will be the intended use of the property?

What is your estimated credit score?

What is your gross annual income?

Do you currently work, or have you ever worked, in any public safety or emergency services role that might qualify you for specialized mortgage programs for first responders?

Please indicate your current or previous role in public safety or emergency services that might qualify you for specialized mortgage programs for first responders.

Are you open to working with a HERO real estate agent partner, which could provide you with a possible cash rebate or closing cost credit?

Are you eligible for VA benefits?

What is your full name?

What is your email address?

What is your cell phone?

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NEXT

Getting pre-approved for a home loan is the crucial first step in your home buying journey. Here's why:

  • Know your budget - Pre-approval gives you an idea of what you can afford, allowing you to make informed decisions when shopping for a home.

  • Be a competitive buyer - Having a pre-approval letter shows sellers that you're a serious and committed buyer, making you stand out in a crowded market.

  • Streamline the process - The pre-approval process helps you identify any potential roadblocks early on, allowing you to address them before you find the home of your dreams.

  • Negotiate with confidence - Knowing that you have financing secured gives you the confidence to negotiate the best terms and price for your new home.

CLICK HERE to see the list of Down Payment Assistance Programs All Across Utah

Strategic Mortgage, LLC

NMLS# 2383709

Contact Us

2564 Washington Blvd, Ste 101

Ogden, Utah 84401

Strategic Mortgage, LLC is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Strategic Mortgage, LLC will never be discouraged on on the basis of race, color, religion, national origin, sex, military status ,marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit:

http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm

© Copyright 2025 | Strategic Mortgage, LLC | All rights reserved.

© Copyright 2025 | Strategic Mortgage, LLC | All rights reserved.