Why does down payment vary across Utah?

Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.

Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.

Can I find lower-down options?

Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.

Buyer authority UT

Estimated owner-finance down payment by city in Utah.

Down payments scale with home prices but flex by financing type. This ranks Utah cities by an estimated typical down payment on an owner-financed or low-down deal (12% of estimated median home value). This is a modeled directional comparison, not a survey of actual closings.

Last updated November 2026

Utah ranking

50 cities ranked. Click any row for the matching local page.

#	City	Est. typical down payment	Score
1	Richfield	$42,000	62	View →
2	Price	$44,300	60	View →
3	Moab	$44,000	60	View →
4	Cedar City	$45,400	58	View →
5	Hurricane	$45,400	58	View →
6	Washington	$48,200	55	View →
7	Midvale	$49,700	54	View →
8	Logan	$51,400	52	View →
9	Provo	$52,900	50	View →
10	Brigham City	$52,700	50	View →
11	Smithfield	$52,700	50	View →
12	Tremonton	$52,900	50	View →
13	Magna	$54,100	49	View →
14	Santaquin	$53,500	49	View →
15	Saint George	$54,700	48	View →
16	Grantsville	$54,400	48	View →
17	Payson	$55,600	47	View →
18	Roosevelt	$55,700	47	View →
19	Hyrum	$55,900	47	View →
20	Clearfield	$56,800	46	View →
21	Roy	$57,800	45	View →
22	Eagle Mountain	$60,100	42	View →
23	Heber City	$60,600	42	View →
24	Orem	$61,200	41	View →
25	Spanish Fork	$61,800	40	View →
26	Tooele	$62,900	39	View →
27	Vernal	$62,800	39	View →
28	Ogden	$63,800	38	View →
29	Springville	$64,300	37	View →
30	Hooper	$66,000	36	View →
31	Woods Cross	$66,100	35	View →
32	Salt Lake City	$67,000	34	View →
33	Salem	$67,600	34	View →
34	Pleasant Grove	$69,600	32	View →
35	Saratoga Springs	$69,600	32	View →
36	West Jordan	$70,100	31	View →
37	Morgan	$70,200	31	View →
38	Centerville	$70,700	30	View →
39	Lindon	$70,800	30	View →
40	Bountiful	$72,100	29	View →
41	Syracuse	$72,000	29	View →
42	North Salt Lake	$71,900	29	View →
43	Lehi	$73,300	27	View →
44	Layton	$74,800	26	View →
45	Farmington	$75,200	25	View →
46	Mapleton	$75,500	25	View →
47	Herriman	$76,100	24	View →
48	American Fork	$77,900	22	View →
49	Riverton	$79,100	21	View →
50	Kaysville	$79,900	20	View →

Methodology

Estimated down = 12% of estimated median home value (representative of owner-financed and low-down deals). Conventional loans typically require 20%; FHA can be 3.5%. Use as a directional comparison.

FAQ

Why does down payment vary across Utah?: Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.
Is 12% realistic?: Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.
Can I find lower-down options?: Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.