Cornerstone Home Lending

Your Local Bountiful Mortgage Experts

We help families in Bountiful and across Davis County secure the best home loans, lowest rates, and down payment assistance.

Buying a Home in Bountiful

Bountiful is one of Davis County’s most established cities, known for its beautiful east-bench homes with valley views, the Bountiful Temple, and a strong downtown district. It offers an excellent balance of suburban living with quick freeway access to Salt Lake City.

Whether you're a first-time homebuyer looking to put down roots or a current resident looking to upgrade or refinance, The Tim Hawkes Team is your dedicated local mortgage partner. Because we're based right here in Davis County, we understand the local real estate market better than national online lenders. We know exactly which down payment assistance programs are available for Bountiful properties, and we work closely with the best local Realtors to get your offers accepted.

Down Payment Assistance in Bountiful

Bountiful home buyers may qualify for multiple assistance programs that can be stacked together. Here are the programs available for Davis County properties:

Available Now

FHLB HELP

$20,000 forgivable

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Opening Soon

Davis County DPA

$50,000

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Available Now

UHC FirstHome

$27,500

Learn more →

Stack Your Assistance

Bountiful buyers can combine multiple programs. Currently available programs total up to $47,500 in assistance. When all programs are open, total potential assistance reaches up to $97,500.

Check your eligibility now →

Popular Loan Programs in Bountiful

From zero-down VA and USDA loans to low-down-payment FHA options, we'll match you with the best program for your situation.

VA Loans

Zero down payment for eligible veterans. Perfect for military families relocating to Hill AFB.

Learn about VA Loans →

FHA Loans

Only 3.5% down with flexible credit requirements. Ideal for many first-time buyers in Bountiful.

Learn about FHA Loans →

USDA Loans

Zero down payment for eligible suburban and rural areas. Let us check if your Bountiful address qualifies.

Learn about USDA Loans →

Frequently Asked Questions About Buying in Bountiful

Get answers to common questions about home buying, down payment assistance, and mortgage options in Bountiful, Utah.

How much down payment assistance is available in Bountiful?
Bountiful buyers can currently access up to $47,500 through FHLB HELP ($20,000 forgivable) and UHC FirstHome ($27,500). The Davis County DPA ($50,000) is paused until July 2026. When all programs are open, combined assistance could exceed $97,500.
What are the income limits for Bountiful home buyers?
Davis County AMI limits apply. The FHLB HELP program caps at 80% AMI (approximately $96,400 for a family of 4 in 2025). UHC programs have higher thresholds. Reach out and we’ll check your eligibility in minutes.
Why should I choose a local lender in Bountiful?
Bountiful has a wide range of home types from historic east-bench properties to newer west-side developments. A local lender understands the appraisal nuances and knows which DPA programs work best for different price points across the city.

Ready to Buy in Bountiful?

Get pre-approved in minutes. We'll help you find the right loan, maximize your down payment assistance, and close on your new Bountiful home.

Start Your Application(801) 820-7620

Local Davis County Experts

National lenders don't understand the Utah market. We do. Get a quote from a local expert who cares about your family's financial future.

Start Your Application

Call your Bountiful loan officer

(801) 820-7620

Quick Bountiful Stats

  • CountyDavis County
  • Population44,000+
  • Median Price$540,000
  • DPA AvailableUp to $47,500

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