About Syracuse
Syracuse is a fast-growing city in northwest Davis County known for its family-friendly atmosphere, excellent schools, and views of the Great Salt Lake and Antelope Island. It's popular with young families seeking newer construction.
Key Facts
- One of Utah's fastest-growing cities
- Highly-rated Syracuse High School
- Close to Antelope Island State Park
- Many newer construction homes available
Need Local Help?
Our team specializes in Davis County DPA programs. We're located in Clearfield and serve all of Syracuse.
DPA Programs Available in Syracuse
6+ down payment assistance programs serve Syracuse 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.
Syracuse Down Payment Assistance FAQ
What down payment assistance is available in Syracuse?
Syracuse homebuyers can access the Davis County Homeownership Program (up to $50,000 when funding is available) plus statewide UHC programs. Take our quiz to see your specific options.
Are Syracuse home prices higher than other Davis County cities?
Syracuse tends to have slightly higher median prices due to newer construction and high demand. However, DPA programs can significantly offset this — $50,000+ in assistance makes a big difference.
Is there new construction DPA available in Syracuse?
Yes! The UHC First-Time Homebuyer Assistance (New Construction) program offers up to $20,000 specifically for newly built homes. This can be combined with other programs.
What schools serve Syracuse homebuyers?
Syracuse is served by Davis School District, consistently rated among Utah's best. Syracuse High, Syracuse Junior High, and multiple elementary schools serve the area.