Davis County Down Payment Assistance
Find programs to help you buy a home in Layton, Clearfield, Syracuse, Kaysville, and throughout Davis County
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Davis County at a Glance
About Davis County
Davis County, located between Salt Lake City and Ogden, is one of Utah's fastest-growing areas. With cities like Layton, Clearfield, Syracuse, and Kaysville, Davis County offers a mix of suburban living with easy access to employment centers and outdoor recreation.
Key Facts
- Davis County has its own $50,000 homeownership assistance program
- One of Utah's lowest unemployment rates
- Excellent school districts including Davis School District
- Easy FrontRunner commuter rail access to Salt Lake and Ogden
Need Local Help?
Our team specializes in Davis County DPA programs. We're located in Clearfield and serve all of Davis County.
DPA Programs Available in Davis County
6+ down payment assistance programs serve Davis County homebuyers
At Home in Layton
forgivable loanUp to $10,000 as forgivable second lien. Fully forgiven after 5 years of occupancy. Repaid if sold/refinanced before 5 years.
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.
Davis County Down Payment Assistance FAQ
What down payment assistance is available in Davis County?
Davis County offers its own Homeownership Program with up to $50,000 in deferred loan assistance at just 1% interest with no monthly payments. Additionally, statewide Utah Housing Corporation (UHC) programs are available throughout Davis County, offering grants up to $2,500 and second mortgages up to $27,500.
What are the income limits for Davis County DPA programs?
The Davis County Homeownership Program has income limits at 80% of Area Median Income (AMI). For 2025, this is approximately $61,850 for a single person up to $88,300 for a family of four. UHC programs have higher limits up to $162,500.
Is the Davis County program currently accepting applications?
As of January 2026, the Davis County Homeownership Program has exhausted its current funding and is paused until July 1, 2026. However, statewide UHC programs remain available for Davis County homebuyers.
Can I combine multiple DPA programs in Davis County?
Yes! When the Davis County program reopens, it can be stacked with state DPA for up to $70,000+ in combined assistance. Currently, you can combine UHC first mortgage programs with their DPA second mortgages.