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Davis County Homeownership Program

Davis County Community and Economic Development

$50,000

Maximum Assistance

80%

AMI Income Limit

Program Summary

Up to $50,000 as a deferred loan with 1% interest compounded annually. NO MONTHLY PAYMENTS. Full amount + interest repaid when home is sold, refinanced, or ceases to be primary residence. Can be used for principal reduction, rate buydown (max $10K), down payment (50%), and/or closing costs. Can stack with State DPA for up to $70K combined! Max purchase price $500K.

Eligibility Requirements

Location

Property must be in Davis

Buyer Type

Open to all buyers (first-time and repeat)

Income Limit

Household income must not exceed 80% of Area Median Income (AMI) for your county and household size.

Primary Residence

Must be your primary residence (not investment property)

Buyer Contribution

You must contribute at least $1,000 of your own funds

Homebuyer Education

Completion of a HUD-approved homebuyer education course is required

How to Apply

1) Get pre-qualification from reputable lender. 2) Execute Real Estate Purchase Contract. 3) Complete HUD-approved homebuyer education (USU Online Course). 4) Apply through Neighborly portal with all documents. 5) Davis County performs visual inspection and environmental review. 6) Processing time ~25-30 days. NOTE: 2025 funds exhausted - Applications reopen July 1, 2026.

Required Documents

Pre-qualification letter from lender
Executed Real Estate Purchase Contract (REPC)
HUD-approved homebuyer education certificate (USU Online Course)
Income documentation (pay stubs, tax returns, W-2s)
Proof of $1,000 minimum contribution
Cash reserves for 1 month housing expenses

Contact Information

801-451-3251 | homeownership@daviscountyutah.gov

Official Website

Last verified: 2026-01-12

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