Emery County Homeownership Assistance Program

Program Overview

The Emery County Homeownership Assistance Program is designed to increase access to affordable homeownership for income-qualified households. The program provides financial assistance to eligible homebuyers to help bridge affordability gaps and reduce the upfront costs associated with purchasing a home.

Assistance may be used for:

Down payment assistance
Closing costs

Assistance is provided as a loan of up to $15,000, at a fixed 1% interest rate, with no monthly payment required. The loan becomes due in full when the home is sold, refinanced, transferred, or otherwise no longer serves as the applicant's primary residence.

Modern beige two-story house with a front porch and a large white 'For Sale' sign hanging in the foreground against a clear blue sky.

Program Goals

The program seeks to:

Expand homeownership opportunities for low- and moderate-income households.
Address housing affordability challenges within the community.
Promote stable neighborhoods and long-term community investment.

Eligibility

Applicants must meet the following criteria:

Be at least 18 years of age.
Be a resident of Emery County, or employed in Emery County with plans to relocate.
Occupy the home as your primary residence.
Household income between 80% and 120% of the area median income (AMI), adjusted for household size (see table below).
The home's purchase price or market value must be below 125% of the county median home value for the year of application
Complete a homebuyer education course.
Provide complete application materials and required supporting documentation.

2026 Income Qualification Thresholds for Emery County

Household Size

80% AMI

120% AMI

1

$55,050

$82,550

2

$62,900

$94,350

3

$70,800

$106,150

4

$78,650

$117,950

5

$84,950

$127,400

6

$91,200

$136,850

7

$97,500

$146,250

8

$103,800

$155,700

Application Process

Applications are accepted through our online application portal and reviewed for completeness, eligibility, and alignment with program priorities, subject to available funding.

Applicants are required to provide documentation verifying household income, assets, employment, and mortgage qualification.

Apply for Homeownership Assistance

Program Administration

The program is administered by Emery County's Community Redevelopment Agency (CRA Agency). The CRA Agency may also contract with a qualified nonprofit, housing partner, or county support organization to help manage the program operations.

Program guidelines, policies, eligibility requirements, and application instructions are made available to the public through the county website and application portal.

Fair Housing and Accessibility

Emery County's CRA Agency is committed to compliance with all federal, state, and local fair housing laws. The CRA Agency will not discriminate against any person because of race, color, religion, national origin, sex, familial status, disability, or any other specific classes protected by applicable laws.

Frequently Asked Questions