First-time homebuyers—this one’s for you. There are several programs in Utah that can help you get into a home with little or no money down, and they’re far more accessible than most people think. Here are the most common options I walk through with buyers: • USDA loans – Available in rural areas like Payson South or Tooele County. These offer true zero down options. • Utah Housing loans – A first and second loan structure that lets you buy with no down payment required. • Credit union programs
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