Cornerstone Home Lending

Your Local West Point Mortgage Experts

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

Buying a Home in West Point

West Point blends rural charm with modern new-construction neighborhoods. Located on the western edge of Davis County near the Great Salt Lake, it offers larger lots and a quieter lifestyle.

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

Down Payment Assistance in West Point

West Point 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

West Point 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 West Point

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 West Point.

Learn about FHA Loans →

USDA Loans

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

Learn about USDA Loans →

Frequently Asked Questions About Buying in West Point

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

How much down payment assistance is available in West Point?
West Point buyers can currently receive 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, which would bring total potential assistance to $97,500.
What are the income limits for West Point home buyers?
UHC FirstHome generally allows household incomes up to $150,000 in Davis County. The FHLB HELP program uses HUD area median income thresholds. West Point’s new construction often qualifies for these programs — let us verify your eligibility.
Why should I choose a local lender in West Point?
West Point’s mix of new construction and established homes requires a lender who understands builder timelines, lot premiums, and Davis County DPA programs. We work with West Point builders regularly and know exactly how to structure your financing.

Ready to Buy in West Point?

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

(801) 820-7620

Quick West Point Stats

  • CountyDavis County
  • Population11,000+
  • Median Price$510,000
  • DPA AvailableUp to $47,500

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