Cornerstone Home Lending

Your Local Layton Mortgage Experts

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

Buying a Home in Layton

Layton is Davis County’s largest city, known for excellent Davis School District schools, Layton Hills Mall, and easy FrontRunner commuter rail access to Salt Lake City. With Hill Air Force Base nearby, Layton attracts military families, young professionals, and first-time buyers.

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

Down Payment Assistance in Layton

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

Available Now

At Home in Layton

$10,000 forgivable

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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

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Stack Your Assistance

Layton buyers can combine multiple programs. Currently available programs total up to $57,500 in assistance. When all programs are open, total potential assistance reaches up to $107,500.

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Popular Loan Programs in Layton

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 Layton.

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USDA Loans

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

Learn about USDA Loans →

Frequently Asked Questions About Buying in Layton

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

How much down payment assistance is available in Layton?
Layton buyers may qualify for up to $107,500 in combined assistance. The At Home in Layton program offers $10,000 forgivable, the FHLB HELP program provides up to $20,000 forgivable, and the UHC FirstHome program offers $27,500. The Davis County DPA ($50,000) is currently paused but expected to reopen in July 2026.
What are the income limits for Layton home buyers?
Income limits vary by program. The UHC FirstHome program generally caps household income around $150,000 for Davis County. The At Home in Layton program and FHLB HELP have their own thresholds tied to area median income (AMI). We can review your specific situation and identify every program you qualify for.
Why should I choose a local lender in Layton?
A local lender understands Layton’s market — from school-district desirability to Hill AFB housing demand. We know which DPA programs apply to Davis County addresses, we have relationships with local Realtors and title companies, and we can close faster because we are right here in Clearfield.

Ready to Buy in Layton?

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

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Call your Layton loan officer

(801) 820-7620

Quick Layton Stats

  • CountyDavis County
  • Population80,000+
  • Median Price$520,000
  • DPA AvailableUp to $57,500

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