Cornerstone Home Lending

Your Local Farmington Mortgage Experts

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

Buying a Home in Farmington

Farmington is a growing Davis County city known for Station Park’s upscale shopping and dining, Lagoon amusement park, and beautiful mountain-adjacent neighborhoods. The FrontRunner station makes it a popular choice for professionals commuting 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 Farmington properties, and we work closely with the best local Realtors to get your offers accepted.

Down Payment Assistance in Farmington

Farmington 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

Farmington 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 Farmington

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 Farmington.

Learn about FHA Loans →

USDA Loans

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

Learn about USDA Loans →

Frequently Asked Questions About Buying in Farmington

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

How much down payment assistance is available in Farmington?
Farmington buyers can currently access up to $47,500 through the FHLB HELP ($20,000 forgivable) and UHC FirstHome ($27,500) programs. The Davis County DPA ($50,000) is expected to reopen in July 2026, potentially pushing combined assistance past $97,500.
What are the income limits for Farmington home buyers?
Davis County income limits apply. Most DPA programs use 80% AMI thresholds. UHC programs have higher limits. With Farmington’s higher price points, DPA assistance can make a significant difference on your closing costs.
Why should I choose a local lender in Farmington?
Farmington has a mix of established homes and premium new construction. We understand the nuances of financing both, including construction-to-permanent loans for new builds and how to maximize DPA on existing homes. Our Clearfield office is just 10 minutes away.

Ready to Buy in Farmington?

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

(801) 820-7620

Quick Farmington Stats

  • CountyDavis County
  • Population25,000+
  • Median Price$580,000
  • DPA AvailableUp to $47,500

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