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Down Payment Assistance for Home Buyers in Utah


If you’re a Utah first-time home buyer you may qualify to utilize the $30,806 WISH Grant. 

Not every first-time buyers has saved enough for 20% down. The good news is that you don’t need that much. 

Top 10 most walkable Cities in Utah

1. Salt Lake City, UT

Walk Score: 59
Median Sale Price: $510,000
Median Rent Price: $1,389

2. South Salt Lake, UT

Walk Score: 58
Median Sale Price: $340,000
Median Rent Price: $1,357

3. Midvale, UT

Walk Score: 53
Median Sale Price: $452,000
Median Rent Price: $1,503

4. Millcreek, UT

Walk Score: 46
Median Sale Price: $485,000
Median Rent Price: $1,513

5. Provo, UT

Walk Score: 45
Median Sale Price: $410,000
Median Rent Price: $1,190

6. Ogden, UT

Walk Score: 44
Median Sale Price: $361,000
Median Rent Price: $1,333

7. Orem, UT

Walk Score: 43
Median Sale Price: $477,000
Median Rent Price: $1,465

8. South Ogden, UT

Walk Score: 42
Median Sale Price: $389,250
Median Rent Price: $1,370

9. Cottonwood Heights, UT

Walk Score: 41
Median Sale Price: $845,000
Median Rent Price: $1,658

10. Logan, UT

Walk Score: 40
Median Sale Price: $367,500
Median Rent Price: $1,460

* 10 most Walkable Cities in Utah | Dated January 2024


Many major cities have at least one down payment assistance program. They’re all likely to have similar eligibility requirements, including that you’ve completed a homeowner education course; use an approved lender; and meet local income limits. Check with your Refined Lending loan officer for other loan terms and conditions.

Zero Down Loan Program

Refined Lending is excited to offer a zero down loan program to qualified buyers. Check out the program highlights below and contact us for full program details!

  • 0% Down payment
  • No city or county geographical restrictions
  • $150,000 income limit
  • 600 min credit score
  • Up to 55% debt to income ratio
  • Available in Every state
  • $0 buyer funds required
  • Up to 5% seller paid closing costs
  • Standard 30 year fixed rates apply

Utah's Largest Cities

1. Salt Lake City, Utah

Population: 199,723
Nestled against the stunning backdrop of the Wasatch Mountains, Salt Lake City offers residents a unique blend of outdoor recreation and urban sophistication. The city is renowned for its access to world-class ski resorts, hiking trails, and picturesque parks, providing ample opportunities for outdoor enthusiasts to explore.


2. West Valley City, Utah

Population: 140,230
Just west of Salt Lake City, West Valley City stands as a bustling and diverse community in the heart of the state. Known for its peaceful atmosphere, West Valley City provides many parks, recreational facilities, and cultural events, such as the Utah Cultural Celebration Center for residents to enjoy.


3. West Jordan, Utah

Population: 116,961
West Jordan perfectly balances residential tranquility and urban convenience. The city offers a variety of neighborhoods, coupled with well-maintained parks and recreational spaces like the Oquirrh Shadows Park, fostering a sense of community and outdoor enjoyment. With its strategic location and a mix of shopping centers and dining options, West Jordan provides residents with a comfortable and accessible living experience.


4. Provo, Utah

Population: 115,162
Provo is known for its strong sense of community and academic prowess, home to Brigham Young University. Residents benefit from the city’s commitment to education, while the Provo River and scenic Provo Canyon offer outdoor enthusiasts a picturesque escape.


5. Orem, Utah

Population: 98,129
Adjacent to Provo and sharing the scenic beauty of the Utah Valley, Orem offers a blend of residential charm and economic vitality. As a hub for technology companies and retail establishments, Orem provides residents with employment opportunities and convenient access to shopping centers like University Place.

*Source Utah’s Largest Cities | Dated 2024

All programs subject to change at anytime without notice. Not a commitment to lend. Client must qualify for program with Refined Lending and the assistance or grant program selected.  * Sources | |

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