Cornerstone Home Lending

Your Local Kaysville Mortgage Experts

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

Buying a Home in Kaysville

Kaysville is one of Davis County’s most sought-after cities, known for its excellent schools, charming Main Street, and beautiful tree-lined neighborhoods. Families are drawn to Kaysville for its strong sense of community and convenient FrontRunner commuter rail station.

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

Down Payment Assistance in Kaysville

Kaysville 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

Kaysville 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 Kaysville

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 Kaysville.

Learn about FHA Loans →

USDA Loans

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

Learn about USDA Loans →

Frequently Asked Questions About Buying in Kaysville

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

How much down payment assistance is available in Kaysville?
Kaysville buyers can currently access up to $47,500 through the FHLB HELP ($20,000 forgivable) and UHC FirstHome ($27,500) programs. When the Davis County DPA ($50,000) reopens in July 2026, combined assistance could exceed $97,500.
What are the income limits for Kaysville home buyers?
Davis County income limits apply. The FHLB HELP program uses 80% AMI limits (approximately $96,400 for a family of 4). UHC programs have higher limits up to around $150,000. Contact us for a personalized eligibility check.
Why should I choose a local lender in Kaysville?
Kaysville’s higher home prices mean DPA programs are especially valuable here. Our team in nearby Clearfield knows exactly which programs stretch furthest for Kaysville properties and works with the top local Realtors in the area.

Ready to Buy in Kaysville?

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

(801) 820-7620

Quick Kaysville Stats

  • CountyDavis County
  • Population32,000+
  • Median Price$560,000
  • DPA AvailableUp to $47,500

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