Buying A Home In Utah With Bad Credit Apr 2026

: These are the most common choice for bad-credit buyers. You can qualify with a credit score as low as 500 if you have a 10% down payment, or 580 with just a 3.5% down payment.

: A $10,000 forgivable grant for buying in Layton. buying a home in utah with bad credit

: This state-specific program is designed for buyers who do not meet standard credit requirements. It requires a minimum mid-score of 620 and pairs an FHA first mortgage with down payment assistance. : These are the most common choice for bad-credit buyers

: Some local credit unions, such as Utah First , offer flexible products for those with recent bankruptcies or foreclosures. Down Payment Assistance Programs such as Utah First