About Layton
Layton is the largest city in Davis County and a major retail and employment hub. With excellent schools, diverse housing options, and easy freeway access, Layton is one of Utah's most desirable places to buy a home.
Key Facts
- Largest city in Davis County by population
- Home to Layton Hills Mall and major retail centers
- Excellent Davis School District schools
- FrontRunner station for easy commuting
Need Local Help?
Our team specializes in Davis County DPA programs. We're located in Clearfield and serve all of Layton.
DPA Programs Available in Layton
6+ down payment assistance programs serve Layton 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.
Layton Down Payment Assistance FAQ
What down payment assistance is available in Layton?
Layton residents can access the Davis County Homeownership Program (up to $50,000 when funding is available) plus statewide UHC programs offering grants up to $2,500 and second mortgages up to $27,500. Combined, this can mean $50,000+ in assistance.
Are there first-time homebuyer programs in Layton?
Yes! Multiple programs serve Layton first-time buyers. UHC FirstHome Loan offers competitive rates, and both the Davis County program and UHC DPA options are available. Some programs also serve repeat buyers.
What income do I need to qualify for Layton DPA?
Income limits vary by program and household size. The Davis County program uses 80% AMI (roughly $88,300 for a family of 4), while UHC programs go up to $162,500. Our quiz will match you with programs for your specific income.
How do I apply for down payment assistance in Layton?
Start with our free eligibility quiz to see which programs you qualify for. Then connect with a participating lender (like The Tim Hawkes Team) who can guide you through the application process for each program.