Cache County & Logan Down Payment Assistance (Utah Housing)
Logan and Cache County sit in Utah Housing's most affordable price tier. If you're a Utah State student, grad, or local family buying your first home, here's how the assistance works where homes are the most attainable in the state.
How Utah Housing DPA works in Cache County
Cache County is the most attainable corner of the Utah Housing map. It falls in the lowest-cost tier, with a $566,300 acquisition-price cap and an income ceiling of $118,000 for a couple or $135,700 for a larger family. Those limits line up with Logan’s lower price points, which is good news for buyers: the assistance stretches further here. When a home costs less, a $27,500 Utah Housing second covers a bigger slice of the down payment and closing costs than it would on a Salt Lake County purchase.
The structure is the same as everywhere else in the state. A Utah Housing second mortgage rides on a UHC first. Traditional gives you up to 6% (max $27,500) as an amortizing second; Deferred gives up to 3.5% (max $27,500) with no monthly payment until you sell or refinance. For a first-time Logan buyer, the Deferred option often means moving in with almost nothing out of pocket.
Buying in Logan and the rest of Cache Valley
With a $566,300 cap and Cache Valley prices, nearly everything is in range. Logan itself, anchored by Utah State University, has a steady supply of condos, older homes near campus, and detached houses on the west and north sides. North Logan, Smithfield, Hyrum, Providence, Nibley, and Wellsville give you newer single-family homes that comfortably fit the cap. This is one of the few Utah markets where a first-time buyer can find a detached home with a yard and still stay well under the price limit.
Utah State students, grads, and first jobs
A lot of Cache County buyers are finishing at Utah State or just started a first career job in the valley. Two things to know. First, Utah Housing needs a 660 credit score for first-time buyers, so if your credit is thin, we will look at what is reporting before you shop. Second, a recently started job can usually count once it is documented, so you do not always have to wait a full year. If you are buying with a partner who has owned before, the FHA/VA program at 620 may be the better door. Compare the two on our first-time vs. repeat buyer page.
Cache County figures verified August 2026 from utahhousingcorp.org/lenders/limits/. Limits change periodically; confirm on the UHC limits page. Related: All county limits · Washington County DPA · DPA + FHA loan.
Common questions
What is the maximum home price for Utah Housing in Cache County?
The maximum acquisition price in Cache County is $566,300 as of August 2026, the lowest cap in Utah. It matches Logan's more affordable prices, so most homes in Cache Valley fit comfortably under the limit.
What is the income limit for Utah Housing in Logan / Cache County?
Cache County sits in Utah Housing's lowest-cost tier, with a FirstHome income limit of $118,000 for a 1-2 person household and $135,700 for a household of 3 or more, verified August 2026.
Can a recent Utah State graduate use down payment assistance in Logan?
Yes, if you meet the credit and income requirements. First-time buyers need a 660 credit score, and a recently started job can usually count once it is documented. Utah Housing DPA then covers the down payment and closing costs on a Cache County home within the price limit.
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