Clearfield City Down Payment Assistance
Clearfield Utah down payment assistance helps first-time buyers purchase homes in Davis County. Clearfield Utah first time buyer programs include FHLB HELP ($20,000 forgivable) and UHC FirstHome ($27,500). Over $35,000 in assistance is available now — more when the city program reopens.
Available Programs in Clearfield City
Clearfield City DPA
Closed$7,500
Matching GrantOne of the key Clearfield Utah first time buyer programs: Clearfield matches a buyer's contribution dollar-for-dollar up to $7,500. If you put in $5,000, the city matches $5,000. Currently out of funds for this cycle. Contact DCHA for waitlist and reopening updates.
Agency: Davis Community Housing Authority (DCHA) · (801) 773-7922
Program is currently out of funds. Contact DCHA for waitlist information and expected reopening dates.
FHLB HELP Program
Open$20,000
Forgivable GrantUp to $20,000 in forgivable assistance available countywide through the Federal Home Loan Bank. Forgiven after 5 years of owner occupancy.
Davis County Homeownership Assistance
Opening SoonUp to $50,000
Deferred LoanA deferred loan at 1% interest — no monthly payments until you sell, refinance, or pay off. Available to all Davis County residents. Paused but expected to reopen July 2026.
Agency: Davis County Community & Economic Development · (801) 451-3260
Currently paused — expected to reopen July 2026.
UHC FirstHome Loan
OpenUp to $27,500
Deferred LoanStatewide down payment assistance from the Utah Housing Corporation. Pairs a competitive first mortgage with up to $27,500 in DPA depending on loan type and tier selected.
Stack Programs for Maximum Savings
These programs can be combined on a single purchase
Available right now for Clearfield buyers. When Davis County Homeownership reopens, total potential jumps to $85,000+. We'll notify you as soon as new funding is released.
Davis County Income Limits (80% AMI)
Based on 2025 HUD income limits for Davis County at 80% of Area Median Income. Income from all household members is counted.
How to Apply
Check Your Eligibility
We review your income, household size, and target purchase area to determine which programs you qualify for. This takes about 15 minutes.
Get Pre-Approved
We handle your mortgage pre-approval and identify the best loan structure to maximize your DPA benefits. Most programs require a pre-approval letter.
Find Your Home
Shop for a home within the program’s geographic and price limits. Your real estate agent can help you target qualifying areas.
Submit DPA Applications
We prepare and submit all DPA applications on your behalf. Since the documentation overlaps with your mortgage file, this adds minimal extra work for you.
Close on Your Home
DPA funds are applied at closing to cover your down payment and/or closing costs. You walk away with keys and potentially thousands in savings.
Required Documents
- Pre-approval letter from your lender (we handle this)
- 2024 federal income tax returns for all household members
- 2 most recent months of pay stubs for all working household members
- Accepted Real Estate Purchase Contract (REPC)
- Government-issued photo ID
- Bank statements (most recent 2 months)
Frequently Asked Questions
When will the Clearfield City DPA program reopen?
The Clearfield City DPA runs out of funds periodically. Contact the Davis Community Housing Authority at (801) 773-7922 for waitlist information. In the meantime, the FHLB HELP and UHC programs provide over $35,000 in available assistance.
Can I still get help even though the city program is closed?
Absolutely. The FHLB HELP Program ($20,000 forgivable) and UHC FirstHome ($15,000+) are both open and available to Clearfield residents right now. These programs alone can cover most or all of a typical down payment.
How does the Clearfield matching grant work?
When funded, Clearfield matches your own contribution dollar-for-dollar up to $7,500. For example, if you save $7,500 for your down payment, the city contributes another $7,500 — giving you $15,000 total.
Do I need to live in Clearfield to use these programs?
The Clearfield City DPA requires the home to be in Clearfield. However, the FHLB HELP and Davis County programs are available throughout all of Davis County, and UHC programs work statewide.
What Clearfield Utah down payment assistance is available now?
Clearfield Utah down payment assistance currently includes the FHLB HELP Program ($20,000 forgivable) and UHC FirstHome ($27,500) — over $35,000 combined. The Clearfield City DPA ($7,500 matching) is closed but expected to reopen. Davis County ($50,000) is paused until July 2026. We help Clearfield buyers apply for all eligible programs.
Are there Clearfield Utah first time buyer programs?
Yes. Clearfield Utah first time buyer programs include the Clearfield City DPA (matching grant, currently closed), FHLB HELP ($20,000 forgivable, open), Davis County Homeownership (paused), and UHC FirstHome ($27,500, open). Most require first-time buyer status (no ownership in past 3 years). Income limits apply — we can check your eligibility in minutes.
We Handle Everything
The documentation for DPA programs overlaps heavily with your mortgage application. We prepare and submit all applications on your behalf — at no extra cost.
Questions? Call us directly
(801) 820-7620Program Status at a Glance
Not sure which programs you qualify for?
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