Down Payment Assistance

Links and Documents

DPA Info Sheet & Process
"Own in" DPA Application
SLC Plus DPA Application
SLC Community Heroes


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 Throughout Utah



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 deferred loans with no payments and no interest that are forgivable after a period of time (Except for Community Heroes). DPA is available for Salt Lake City & SLC Plus (Up to $14,000), Salt Lake City Community Heroes (Up to $14,000), Salt Lake County and Taylorsville (Up to $10,000).

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. There are a limited number of DPA available each year 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.

Salt Lake County


Eligible Cities — Property must be within the boundaries of: Alta, Bluffdale, Cottonwood Heights, Draper, Herriman, Holladay, Midvale, Millcreek, Murray, Riverton Sandy, South Jordan, South Salt Lake, West Jordan, 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.

There is a limited amount of funds for Sandy, South Jordan, West Jordan this year. 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. Funds are NOT available for West Valley City.

Taylorsville City


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

Salt Lake City


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

Community Heroes: Application Deadline 12/10/2020

You must submit your application before 12/10/2020. You must complete the home purchase before 12/30/2020. Property must be within Salt Lake City boundaries according to the Salt Lake County Assessor.

SLC Plus

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



  • Applicant(s) must be household income eligible at or below 80% of the Area Median Income (AMI). For Own in Salt Lake City, Salt Lake County & Taylorsville Programs. (See Income limit chart on Application)
  • Applicant(s) must be household income eligible at or below 100% of the Area Median Income (AMI). For Community Heroes & SLC Plus Programs.  (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.
  • Applicable assets in excess of $10,000 must be invested in 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 one of the below approved course providers:
    • CDCU: (801)-994-7222
    • Online: (Framework)
    • Neighborworks: (801)-539-1590
    • AAA Fair Credit Foundation 1-800-351-4195
    • USU Extension (801)-477-7391

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.