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
Mortgage principal reduction
Interest rate buy-downs or other affordability measures

Financial assistance is typically provided as a deferred loan, meaning no monthly payments are required during occupancy. Repayment may occur when the property is sold, refinanced, transferred, or when program requirements are no longer met.

Program Goals

The program seeks to:

Expand homeownership opportunities for low- and moderate-income households.
Address housing affordability challenges within the community.
Support household wealth-building through sustainable homeownership.
Promote stable neighborhoods and long-term community investment.
Ensure equitable access to housing opportunities through fair housing practices.

Eligibility

Eligibility is typically based on criteria such as:

Household income limits established by the county or housing authority.
Purchase of an owner-occupied primary residence within the county.
Completion of any required homebuyer education.
Ability to qualify for a primary mortgage through a participating lender.
Compliance with all program guidelines and underwriting requirements.

2025 Income Qualification Thresholds for Emery County

Household Size

Max Yearly Household Income

1 Person

$amount

2 Persons

$amount

3 Persons

$amount

4 Persons

$amount

5 Persons

$amount

6 Persons

$amount

7 Persons

$amount

8 Persons

$amount

Application Process

Applications are accepted through our online application portal and reviewed on a first-qualified, first-served basis, subject to available funding. Applicants are required to provide documentation verifying household income, assets, employment, and mortgage qualification.

Apply for Housing Assistance

Program Administration

The program is administered by the county's housing, community development, or economic development department. Program guidelines, policies, eligibility requirements, and application instructions are made available to the public through thecounty website and application portal.

Fair Housing and Accessibility

Emery County is committed to compliance with all federal, state, and local fair housing laws. The County 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