Cornerstone Home Lending

Your Local Sunset Mortgage Experts

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

Buying a Home in Sunset

Sunset is a small, tight-knit community directly adjacent to Hill Air Force Base. With some of the lowest home prices in Davis County, it is an excellent entry point for first-time buyers and military families.

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

Down Payment Assistance in Sunset

Sunset 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

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Stack Your Assistance

Sunset 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 Sunset

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 Sunset.

Learn about FHA Loans →

USDA Loans

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

Learn about USDA Loans →

Frequently Asked Questions About Buying in Sunset

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

How much down payment assistance is available in Sunset?
Sunset 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 paused until July 2026. With Sunset’s median price of $390,000, current DPA could cover over 12% of the purchase price.
What are the income limits for Sunset home buyers?
Income limits follow Davis County guidelines. UHC FirstHome generally caps household income around $150,000. The FHLB HELP program uses HUD area median income thresholds. Sunset’s lower prices often mean buyers have an easier time meeting purchase-price caps as well.
Why should I choose a local lender in Sunset?
Sunset’s proximity to Hill AFB means many buyers are active-duty military or DoD civilians. We specialize in VA loans and understand BAH calculations, PCS timelines, and how to combine VA benefits with DPA programs. Our Clearfield office is right next door.

Ready to Buy in Sunset?

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

(801) 820-7620

Quick Sunset Stats

  • CountyDavis County
  • Population5,000+
  • Median Price$390,000
  • DPA AvailableUp to $47,500

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