09/09/2026
Most people think buying a home in Utah means having tens of thousands saved for a down payment. It usually doesn't.
Utah Housing's down payment assistance program pairs an FHA first mortgage with an assistance second that covers your down payment and most of your closing costs. On the majority of purchases, buyers actually bring somewhere between $2,500 and $4,500 to the closing table.
I built a free calculator that shows you the real number. Not just the down payment, but your full monthly payment (principal, interest, taxes, insurance, mortgage insurance, HOA, all of it) plus an honest estimate of the cash you'd need on closing day.
No sign-up. No credit pull. Plug in a price and see where you land.
👉 https://www.movingutah.com/resources/calculators/down-payment-assistance/
Have a specific home or budget in mind? Send me a message and we'll run your actual numbers together.
Scott Buehler is an equal Housing Lender with Guild Mortgage, NMLS 1794818. Contact Scott for a specific quote to a property. 
Free Utah down payment assistance calculator. Estimate your real monthly payment, closing costs, and honest cash to close under the UHC two-loan program.