Quick answer: Davis County buyers can combine the county homeownership program (up to $50,000), city grants in Layton and Clearfield, and the FHLB HELP grant ($20,000 forgivable) on a single purchase when program rules allow. Real stacks have reached $54,000+ in total assistance.
Search interest for "davis county down payment assistance" and "davis county first time buyers grant" is high — but most lenders only offer one program and stop there. Stacking is where the savings live.
Davis County programs at a glance
Davis County Homeownership Program
Up to $50,000 in deferred down payment assistance through CDBG-funded county resources. Income limits apply (typically 80% AMI or below for the household). Must be owner-occupied primary residence. See our full Davis County DPA page for current details.
At Home in Layton — $10,000 forgivable grant
Layton City's flagship program for buyers purchasing within city limits. Forgivable after occupancy requirements are met. Pairs reliably with county and FHLB programs. Details: Layton DPA guide.
Clearfield City matching grant
Clearfield has offered dollar-for-dollar matching grants when funded. Status varies by budget cycle — contact us for the latest. Even when city funds are paused, county + FHLB stacks still work for Clearfield addresses.
FHLB HELP — $20,000 forgivable
The Federal Home Loan Bank Welcome Home / HELP grant provides up to $20,000 forgiven after 5 years of owner occupancy. Cornerstone Home Lending is a direct participant — we originate these in-house. Income must be at or below 80% AMI.
Utah Housing (UHC) — up to 6% of loan
Statewide second mortgage that can cover down payment and closing costs. Must use a UHC-approved lender. Layering rules vary — not every UHC product stacks with every county grant.
Example stack: Layton first-time buyer
Purchase price: $385,000 · Loan: FHA 3.5% down
- At Home in Layton: $10,000 forgivable grant
- FHLB HELP: $20,000 forgivable grant
- UHC DPA (6%): ~$23,100 deferred second
- Total assistance: ~$53,100
- Buyer cash to close: under $1,000
This is a real pattern we close regularly — not a theoretical maximum. Your numbers depend on income, purchase price, and which programs are open when you apply.
Who qualifies for Davis County DPA?
- First-time buyer (no ownership in past 3 years) for most programs — some exceptions for veterans and single parents
- Household income within program AMI limits (varies by household size)
- Owner-occupied primary residence in Davis County
- Credit typically 580+ on FHA; higher for conventional paths
- Homebuyer education certificate (often required)
Not sure where you land? Use our first-time buyer calculator or affordability calculator, then book a free DPA stack review.
Stacking rules that trip people up
- Lien order matters: County, city, and FHLB subordinate loans must be documented in the right sequence.
- Duplicate subsidies: Some combinations violate HUD or investor contribution limits — your lender must know the rules.
- Timing: FHLB funds are first-come, first-served. Apply early in the calendar year.
- Geography: City programs require purchase inside city limits — verify the address before going under contract.
Our stacking checklist walks through the paperwork sequence step by step.
Davis County cities we serve
Layton, Clearfield, Kaysville, Farmington, Bountiful, Syracuse, Clinton, West Point, Centerville, Sunset, and all Davis County addresses. Our office is in Clearfield — this is our home market.
Get your Davis County stack mapped (free)
- Davis County DPA page
- Book a free 30-min call — no credit pull
- Phone: (801) 820-7620
Educational only, not a commitment to lend. Program amounts and availability subject to change.