Cornerstone Home Lending

Your Local Clearfield Mortgage Experts

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

Buying a Home in Clearfield

Clearfield is where The Tim Hawkes Team calls home. With the most affordable median prices in central Davis County, your down payment assistance stretches further here. Close to Hill AFB with FrontRunner access.

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 Clearfield properties, and we work closely with the best local Realtors to get your offers accepted.

Down Payment Assistance in Clearfield

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

Currently Closed

Clearfield City DPA

$7,500 matching

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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

Clearfield 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 $105,000.

Check your eligibility now →

Popular Loan Programs in Clearfield

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 Clearfield.

Learn about FHA Loans →

USDA Loans

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

Learn about USDA Loans →

Frequently Asked Questions About Buying in Clearfield

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

How much down payment assistance is available in Clearfield?
Clearfield buyers currently have access to up to $47,500 in stacked assistance through the FHLB HELP ($20,000 forgivable) and UHC FirstHome ($27,500) programs. The Clearfield City DPA ($7,500 matching) is currently closed, and the Davis County DPA ($50,000) is paused until July 2026. When all programs are open, combined assistance could exceed $105,000.
What are the income limits for Clearfield home buyers?
The UHC FirstHome program caps household income around $150,000 for Davis County. The FHLB HELP program uses HUD area median income guidelines. Because Clearfield’s median home price is lower than surrounding cities, many moderate-income families qualify for substantial help here.
Why should I choose a local lender in Clearfield?
The Tim Hawkes Team is headquartered in Clearfield at 1725 East 1450 South. We are literally your neighbors. We know every DPA program available in Davis County, we have deep relationships with local agents, and we can meet you in person any time. No online lender can match that.

Ready to Buy in Clearfield?

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

(801) 820-7620

Quick Clearfield Stats

  • CountyDavis County
  • Population32,000+
  • Median Price$450,000
  • DPA AvailableUp to $47,500

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