Need help with a down payment?
Utah Housing offers down-payment and closing-cost assistance that may help you buy a home without a large down payment saved. Village Mortgage can help you find out whether you qualify.
Eligible buyers may be able to combine an FHA or conventional first mortgage with this assistance. The assistance is a second mortgage that must be repaid. The amount available, repayment terms, and money you still need depend on the program and your situation.
Request a callback
We can start by talking about what you’ve saved, what monthly payment you’re comfortable with, and what you’d like to buy. An initial conversation is not a loan approval; confirming what you qualify for requires further review.
Prefer to call? 801-761-4002
Meet Juli Gleed
Broker & owner since 1998
NMLS #306540
Tell Juli what has kept you from buying and what you’re unsure about. She and the Village team can help you work through the down payment, purchase costs, and monthly payment before you decide whether to apply.
Talk with Juli: 801-761-40025.0 · 73 reviewsChecked Sept. 15, 2026
Local people. Personal guidance.
Family-owned in South Ogden, Utah.
Helping neighbors make informed mortgage decisions.
What we can help you understand
You don’t need to know whether you qualify before calling.
- Whether the program’s requirements fit your situation.
- What money you may still need to bring to closing.
- How the mortgage, assistance repayment terms, taxes, and insurance affect your monthly costs.
If you’ve owned a home before and aren’t sure whether a first-time homebuyer program applies to you, tell us. We’ll check the program’s requirements with you.