First-Time Homebuyer Guide to Utah (2026 Edition): Q&A with Doug Cary, The Cary Group @ Century 21 Everest

First-Time Homebuyer Guide to Utah: What to Know Before You Buy in 2026

Q: Doug, what’s the very first step someone should take when thinking about buying their first home in Utah?

A: The very first step is to get pre-approved for a mortgage. This lets you know how much home you can afford and shows sellers you’re a serious buyer. In Davis County and Salt Lake City, where demand can be high, having that pre-approval in hand gives you a real edge. I always recommend connecting with a trusted local lender who understands our market.

Q: What should first-time buyers know about the current market in Davis County and Salt Lake City?

A: Both areas are popular with buyers for good reason—great schools, strong communities, and lots of amenities. In 2026, we’re still seeing competitive conditions, especially in cities like Layton, Bountiful, and Salt Lake City. Homes can go quickly, so being ready to act fast is key. Don’t get discouraged by competition; with the right strategy, you can find the right fit.

Q: Are there any programs for first-time buyers in Utah that could help with down payments or closing costs?

A: Absolutely! Utah has several programs designed just for first-time buyers. The Utah Housing Corporation offers down payment assistance loans, and many cities in Davis County and Salt Lake City have local grants or special financing options. These programs can make homeownership much more accessible, especially if saving for a big down payment feels overwhelming. I help my clients explore every option to maximize their budget.

Q: What are some common mistakes first-time buyers make—and how can they avoid them?

• Skipping the home inspection: Always get one, even if the market is hot.
• Overstretching the budget: Consider future expenses and don’t max out your approval.
• Not understanding all the costs: Taxes, insurance, and maintenance add up. I walk my clients through every detail so there are no surprises.

Q: How does buying in Weber County or Ogden differ from Davis or Salt Lake?

A: Weber County, especially Ogden, offers a mix of historic homes and new builds at generally lower prices than Salt Lake City. The pace can be a bit less hectic, but it’s still smart to be prepared. Ogden is growing fast, and buyers are discovering its charm and value.

Q: What’s your best advice for first-time buyers feeling overwhelmed?

A: Take it one step at a time and lean on your Realtor for guidance. I’m here to answer every question, connect you with the right resources, and make the process as smooth as possible. Remember, you’re not alone—your dream of homeownership is absolutely within reach!

Ready to start your journey? Reach out to me, Doug Cary with The Cary Group @ Century 21 Everest, and let’s find your perfect Utah home together!