Utah Housing No Down Payment Program



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Benefits & Features

  • Zero down payment required

  • 100% loan combo 1st and 2nd mortgage

  • 1st mortgage can be a Conventional, FHA or VA loan.

  • 2nd mortgage:

    a. 30-year fixed rate 1% above 1st mortgage rate (8% rate CAP)
    b. Covers your 3.5% down payment
    c. Covers closing costs up to an additional 2.5% of the purchase price

  • Max purchase price varies by county, see chart below.

  • Income varies by county and program, see chart below.



Our Reviews


Serving Homebuyers and Homeowners Across Utah

Axent Funding is licensed statewide and closes loans in every Utah county. We publish in-depth local guides for the markets we work in most: loan limits, Utah Housing eligibility, property tax and USDA coverage all change at the county line.

Browse our Utah mortgage guides by city and county »