Utah Housing DPA + VA Loan (and the UHC Veteran Grant)
A VA loan already gets veterans in with zero down. Pair it with Utah Housing and the assistance can cover closing costs, and UHC adds a separate Veteran Grant on top. For buyers near Hill AFB, this is the strongest cash-saving stack in the state.
Why the VA pairing is different
A VA loan is already the best financing most veterans will ever get. Zero down, no monthly mortgage insurance, and competitive terms. So when you pair it with Utah Housing, the assistance is not covering a down payment, there is no required down payment on a VA loan. Instead the DPA second covers closing costs and prepaid items, the cash a VA buyer still needs at the table. That lets a veteran keep savings intact while still buying. For a family stationed at Hill AFB, that can be the difference between buying now and waiting another year to save.
The UHC Veteran Grant on top
Utah Housing goes a step further with a Veteran Grant, documented on UHC Form 225. A grant is not a loan, it does not get repaid. Stack the Veteran Grant with a zero-down VA loan and a Utah Housing second covering closing costs, and an eligible veteran can buy with very little cash out of pocket. Grant funds and eligibility rules change, so confirm the current Veteran Grant terms with us or on the UHC programs page before you count on it.
Buying near Hill Air Force Base
Hill AFB sits between Layton, Clearfield, and Roy, and it drives a lot of the veteran and military homebuying in Davis and Weber County. Those counties also carry Utah Housing’s higher $778,500 price cap and a $141,400 to $164,600 income limit, so most homes a veteran family would want are in range. If you are PCSing in or separating from service, we can often use your income once it is documented. See local specifics on the Davis and Weber County page.
Program facts verified August 2026 against Utah Housing forms (utahhousingcorp.org). VA loan details per the U.S. Department of Veterans Affairs. Veteran Grant terms are volatile, confirm current status before relying on a figure. This is not a commitment to lend. Related: DPA + FHA loan · All UHC programs and grants.
Common questions
Can you combine a VA loan with Utah Housing down payment assistance?
Yes. A VA loan requires no down payment for eligible veterans, so Utah Housing's DPA second covers closing costs and prepaid items instead. Utah Housing also offers a separate Veteran Grant that stacks on top, letting many veterans buy with very little cash.
What is the Utah Housing Veteran Grant?
The Veteran Grant (UHC Form 225) is a grant, not a loan, so it does not have to be repaid. It is offered by Utah Housing for eligible veterans and can be combined with a VA first mortgage and the DPA second. Confirm current funding and eligibility with Utah Housing before relying on it.
Is Utah Housing DPA a good fit for buyers near Hill Air Force Base?
It is one of the strongest cash-saving stacks available. Hill AFB is in Davis and Weber County, which carry a higher $778,500 price cap and $141,400 to $164,600 income limits, so most homes are in range. A VA loan, the DPA second on closing costs, and the Veteran Grant together minimize cash at closing.
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