About Kaysville
Kaysville is an established, affluent community in central Davis County. Known for excellent schools, beautiful tree-lined streets, and a charming downtown, Kaysville attracts buyers seeking a traditional neighborhood feel.
Key Facts
- Highly-rated Davis High School
- Historic downtown with local shops and restaurants
- Beautiful established neighborhoods with mature trees
- Easy access to I-15 and FrontRunner
Need Local Help?
Our team specializes in Davis County DPA programs. We're located in Clearfield and serve all of Kaysville.
DPA Programs Available in Kaysville
6+ down payment assistance programs serve Kaysville 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.
Kaysville Down Payment Assistance FAQ
What down payment assistance is available in Kaysville?
Kaysville homebuyers can access the Davis County Homeownership Program (up to $50,000 when available) plus statewide UHC programs offering grants and second mortgages. Combined assistance can exceed $50,000.
Are Kaysville homes more expensive?
Yes, Kaysville has some of the highest median prices in Davis County due to its established neighborhoods and school reputation. However, DPA programs work on a percentage basis, so higher-priced homes can still receive significant assistance.
Can I use DPA on older homes in Kaysville?
Absolutely! Most DPA programs work on existing homes of any age, as long as they meet standard property requirements. Kaysville's charming older homes are eligible.
What are Kaysville income limits for DPA?
Davis County uses 80% AMI limits. For 2025, this ranges from approximately $61,850 (1 person) to $88,300 (4 people). UHC programs have higher limits. Take our quiz for personalized results.