*From November through December 2026 when you put at least 3% down on a completed Ivory home, Ivory Homes will cover up to $10,000 in closing costs.
Learn More About the Ivory GiftVisit a Model Home48 open across UtahTake our Home Match Quiz for personalized recommendations based on your needs. Or read through our blog to find answers to your questions.
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Browse CataloguesIvory GiftWe'll pay up to $10,000 of your closing costs*From November through December 2026, if you help your kids or a family member put at least 3% down on a completed Ivory home, we’ll pay up to $10,000 of their closing costs. It’s a gift that lasts a lot longer than Christmas morning.
Good to know: The Ivory Gift is open to any buyer who puts at least 3% down on a completed Ivory home, no matter where the down payment comes from. Family help is welcome. It just isn’t required.

You help with the down payment. We pay the closing costs. Closing costs are the extra fees due when a home purchase is finalized, separate from the down payment, and they often add up to thousands of dollars.
Buying a first home takes longer than it used to. When family helps with the down payment, the Ivory Gift takes care of up to $10,000 in closing costs, so getting in takes less cash.
You may already be helping. If you help your kids or a family member put at least 3% down on a completed Ivory home, we’ll cover up to $10,000 in their closing costs. Your help is welcome. It just isn’t required for a buyer to qualify. About a quarter of first-time buyers used a loan or gift from family or friends for the down payment (NAR, 2024).
The down payment and the closing costs. If family can help with the first, we take care of up to $10,000 of the second. If they can’t, you still qualify with at least 3% down from any source.
Explore Starter Homes
There are fewer steps than you'd expect, and you'll have someone from Ivory beside you for each one. Most people start while they're still renting, so the end of your lease is usually what sets the pace. Work back from that date and you'll usually find you have more time than you thought. We've helped Utahns buy their first homes since 1988, and we'll show you what you can afford, how it all works, and which home fits, at your pace.
Tell us a little about your plans. A sales professional will share eligibility details and the homes available near you.
An Ivory Homes representative will be in touch soon.

Your first home is closer than you think. We design these homes with first-time buyers in mind. Choose from a selection of well-planned layouts and locations across Utah.
Map of available Ivory Homes in Utah
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AvailableAvailable Starter Homes Across Utah For First-Time Homebuyers
Find answers to questions about the Ivory Gift promotion
Ivory pays up to $10,000 of your closing costs on a completed Ivory home when you put at least 3% down and finance through Momentum Loans.
Anyone who puts at least 3% of the purchase price down on any completed Ivory home from November through December 2026.
No. Family help is welcome, but you qualify with your own 3% down payment, too.
Yes. The Ivory Gift requires financing through Momentum Loans, our preferred lender. Ivory builds homes and is not a lender.
Any completed Ivory home that is closed upon from November through December 2026.
From November through December 2026.
Ivory covers your closing costs up to $10,000. If closing costs are less than $10,000 than Ivory Homes will cover them fully.
No. It lowers the cash you need on closing day. The price and the mortgage stay the same.
About 1.5% of the home price, according to Momentum Loans, our preferred lender. Your actual costs depend on your loan and your home, and Momentum Loans can give you an estimate.
Still have questions?
Talk to a Sales Professional