At Holmes Homes, we understand that buying your first home is one of the biggest milestones in life. It’s a thrilling time filled with dreams of creating your own space, building equity, and planting roots in a community you love. But we also know it can come with a lot of questions and uncertainty—especially when navigating the process for the first time.
From understanding financing options and qualifying for first-time home buyer assistance, to selecting the right floor plan and closing on your new home, our experienced team is by your side every step of the way. We believe that buying your first home should be an empowering experience—not an overwhelming one. With Holmes Homes, you’ll receive personalized guidance, trusted resources, and transparent support to help you move forward with confidence.
Provides up to $20,000 in assistance for down payments, closing costs, or interest rate buydowns on newly constructed homes priced at $450,000 or less. Eligible applicants must have resided in Utah for at least 12 months, be first-time homebuyers, meet income limits set by the Utah Housing loan program, and be credit-qualified for a mortgage loan purchased and serviced by the Utah Housing Corporation.
Offers deferred loans with no payments and no interest, forgivable after a certain period of primary residency. Availability and specific terms may vary, so it’s advisable to contact CDCU directly for the most current information.
*Please note that program availability and terms are subject to change. It’s recommended to consult with a mortgage professional or financial advisor to explore the most current options and determine eligibility.
We understand the importance of affordability for first-time buyers. Here are some of our budget-friendly floor plans to choose from.
Maintain the same interest rate and monthly payments throughout the loan term, providing predictability and stability.
Offer lower initial interest rates that adjust periodically based on market conditions—ideal for short-term ownership or buyers expecting income growth.
Backed by the Federal Housing Administration, these loans allow down payments as low as 3.5%, making them accessible for buyers with limited savings or lower credit scores.
Available to eligible veterans, active-duty service members, and some members of the National Guard and Reserves. These loans often require no down payment and have favorable interest rates.
Designed for buyers in qualifying rural and suburban areas. Offer 100% financing with no down payment required and reduced mortgage insurance costs.
Not backed by a government agency, these loans typically require higher credit scores and larger down payments—but may offer more flexible terms and fewer fees.
Have questions or ready to take the next step? Fill out the form below, and one of our dedicated team members will reach out to assist you.
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