First-Time Home Buyer

Utah Housing is a state program designed for first time home buyers, single parents, and others who have not owned a home in the immediate past three years.

Members who meet the income and credit requirements can receive a low fixed rate and 100% financing, including closing costs.

Utah Housing First-Time Home Buyer

  • Flexible rates and terms
  • Zero down financing option
  • Down payment and closing costs can be 100% gifted
  • Down payment assistance programs for eligible buyers
  • Low fixed rates for the life of the loan

USU Credit Union 5/1 ARM First-Time Home Buyer

  • Up to 95% financing
  • No mortgage insurance
  • Rates as low as 2.875%
  • Fixed rate for the first five years
  • Flexible qualification guidelines

Speak with a USU Credit Union Mortgage Specialist

Have a USU Credit Union Mortgage Specialist contact you:

Thank you! We have received your information. Someone will contact you soon.

Call us at:


Visit with us in person:

Find a local USU Credit Union branch