Yes, first-time home buyer programs are often worth it because they can reduce your out-of-pocket costs through grants, down payment assistance, and lower interest rates. In Utah, programs like Utah Housing and Own in Ogden provide incentives that make buying a home more affordable.
These programs exist to help new buyers overcome barriers like saving for a down payment or qualifying with limited credit history. For example, the Utah Housing Loan allows qualified borrowers to finance their down payment through a second mortgage, and the Own in Ogden program provides up to $20,000 in Silent 2nd mortgage. That has no interest or monthly payment, you would just need to pay that back when you sell or refinance. The real benefit is building long-term equity while keeping initial costs manageable.