The Utah based Chenoa fund homebuyer program offers a forgivable soft second grant option.  The Chenoa Fund forgivable soft second grant program also allows for 3.5% or 5% of the purchase price to be used towards your down payment on an FHA first mortgage loan. The forgivable soft second will be treated and recorded as a second mortgage with no interest or monthly payments. If you keep your home and make on time payments for a minimum of three years the Soft Second will be forgiven.

Qualification & Highlights:*

  • Purchase loans only
  • Must qualify for an FHA loan
  • 3.5% of purchase price available for down payment
  • May be used anywhere in Utah
  • Must follow maximum income limits
  • Owner occupied only
  • 1-2 Unit property (additional restrictions apply)
  • Min Fico Score 600

Utah Home Grant Qualify

CountyMax Income

Beaver County
$74,500

Box Elder County
$77,100

Cache County
$76,900

Carbon County
$70,600

Daggett
$108,300

Davis
$100,500

Duchesne
$78,300

Emery
$77,900

Garfield
$77,300

Grand
$70,600

Iron
$71,000

Juab
$96,000

Kane
$78,100

Millard
$75,700

Morgan
$100,500

Piute
$64,500

Rich
$69,000

SLC
$102,400

San Juan
$58,600

Sanpete
$68,800

Sevier
$68,000

Summit
$134,700

Tooele
$96,900

Uintah
$81,800

Utah
$96,000

Wasatch
$108,200

Washington
$83,900

Wayne
$65,000

Weber
$100,500