About Bountiful
Bountiful is south Davis County's anchor city, offering established neighborhoods, excellent schools, and easy access to Salt Lake City. The city's hillside homes offer stunning valley views.
Key Facts
- Excellent Bountiful High School
- Beautiful hillside homes with valley views
- Close to Salt Lake City for commuters
- Historic Main Street with local businesses
Need Local Help?
Our team specializes in Davis County DPA programs. We're located in Clearfield and serve all of Bountiful.
DPA Programs Available in Bountiful
6+ down payment assistance programs serve Bountiful homebuyers
UHC FirstHome Loan
first mortgageUHC's lowest interest rate first mortgage for first-time homebuyers. FHA or VA financing. Requires 660 minimum credit score. Can be combined with UHC DPA Second Mortgage. Income limits: $116,100-$142,400 (1-2 person) depending on county. Max purchase price varies by county ($544,200-$772,400).
UHC FHA/VA Mortgage
first mortgageFHA or VA first mortgage for first-time OR repeat buyers. Interest rate slightly higher than FirstHome. Requires 620 minimum credit score. Allows 1-2 unit properties (can rent part of home). Income limit: $162,500 qualifying income. No purchase price limit. Can combine with UHC DPA.
UHC Freddie Mac HFA Advantage
first mortgageConventional loan program with potentially lower monthly mortgage insurance than FHA. Requires 680 minimum credit score. May have slightly higher interest rate but lower MI = lower overall payment. Income limit: $162,500. Can combine with UHC DPA. Good for buyers with strong credit.
UHC DPA Second Mortgage (Traditional)
second mortgageBorrow up to 6% of first mortgage loan (max $27,500) for down payment and closing costs. 30-year fixed rate, 1% higher than first mortgage (max 8%). Monthly payment required. Must be combined with UHC first mortgage (FirstHome, FHA/VA, or HFA Advantage).
UHC DPA Second Mortgage (Deferred)
deferred loanBorrow up to 3.5% of first mortgage loan (max $27,500) for down payment and closing costs. 30-year fixed at 3.5% deferred simple interest. NO MONTHLY PAYMENT required. Principal + deferred interest due on sale, refinance, or maturity. Must combine with UHC first mortgage.
UHC Utah Veteran Grant
grantTRUE GRANT - $2,500 cash at closing, NO REPAYMENT REQUIRED. For veterans or active military who separated within last 5 years AND are first-time Utah homebuyers. Limited funds available (79 remaining as of Jan 2026). Can combine with any UHC loan program.
Bountiful Down Payment Assistance FAQ
What down payment assistance is available in Bountiful?
Bountiful homebuyers can access the Davis County Homeownership Program (up to $50,000 when available) plus statewide UHC programs offering grants and second mortgages totaling $27,500+.
Is Bountiful more expensive than north Davis County?
Generally yes — Bountiful has higher median prices than Clearfield or Clinton due to its proximity to Salt Lake and established neighborhoods. However, DPA programs help offset the higher prices.
Can Salt Lake City workers use Davis County programs in Bountiful?
Yes! Bountiful is in Davis County, so you're eligible for Davis County DPA regardless of where you work. Many Bountiful residents commute to Salt Lake while taking advantage of Davis County programs.
What makes Bountiful popular with homebuyers?
Bountiful offers established neighborhoods with mature trees, excellent schools, stunning mountain and valley views, and an easy 15-minute commute to downtown Salt Lake City.