Davis County Down Payment Assistance (2026)
Davis County down payment assistance available now: $20K FHLB HELP + Layton $10K At Home grant (often $30K–$47K+ stacked). County up to $50K expected July 2026. Free stack review — no credit pull.
Compare every program, income limit, and stacking rule in our companion directory at UtahDownPaymentPrograms.com — maintained by the same team that originates these loans.
Related city guides
- Layton City DPA — At Home in Layton grant and neighborhood-specific eligibility.
- Clearfield City DPA — Matching grant cycles plus county-wide FHLB and UHC options.
Available Programs in Davis County
FHLB HELP Program
Open$20,000
Forgivable GrantDavis County down payment assistance open now: up to $20,000 forgivable FHLB HELP for buyers countywide. Forgiven after 5 years of owner occupancy.
At Home in Layton
Open$10,000
Forgivable GrantA $10,000 forgivable grant for homes inside Layton city limits — the strongest city-level Davis County first-time buyer program currently open. Fully forgiven after 5 years.
Only available for properties in Layton.
UHC FirstHome Loan
OpenUp to $27,500
Deferred LoanOptional statewide layer that can add deferred DPA behind FHLB HELP and city grants when the numbers work.
Davis County Homeownership Assistance
Opening SoonUp to $50,000
Deferred LoanFlagship Davis County first-time buyers grant/deferred loan up to $50,000 at 1% interest — no monthly payments until sale, refinance, or payoff. Expected to reopen July 2026.
Agency: Davis County Community & Economic Development · (801) 451-3260
Paused — expected to reopen July 2026 with new funding allocation.
Clearfield City DPA
Closed$7,500
Matching GrantDollar-for-dollar matching grant up to $7,500 for homes in Clearfield when the funding cycle is open.
Agency: Davis Community Housing Authority (DCHA) · (801) 773-7922
Clearfield only. This cycle fully committed — ask about waitlist.
Stack Programs for Maximum Savings
These programs can be combined on a single purchase
Available now in Layton without the county program: often $30K–$47K+. Elsewhere in Davis County: $20K+ FHLB HELP open today. County $50K layer returns when funded.
Davis County Income Limits (80% AMI)
Based on 2025 HUD income limits for Davis County at 80% of Area Median Income. All household members' gross income is counted, including non-borrowers who reside in the home.
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 for all borrowers
- Bank statements (most recent 2 months)
- Social Security cards or ITIN documentation
Frequently Asked Questions
What Davis County down payment assistance is available now?
Davis County down payment assistance available now: $20,000 FHLB HELP forgivable + Layton At Home $10K (often $30K–$47K+ stacked). Free stack review — no credit pull. County up to $50K expected July 2026.
What is Davis County Utah down payment assistance?
Davis County Utah down payment assistance means city grants (Layton $10K open; Clearfield match when funded), FHLB HELP $20K open countywide, optional UHC layers, and the county deferred program up to $50K when funded. We map your address and stack in one call.
Are there Davis County first time buyer programs?
Yes — Davis County first time buyers programs open today include FHLB HELP and At Home in Layton. County homeownership assistance (up to $50K) and Clearfield matching reopen on funding cycles. Free eligibility check.
When will the Davis County Homeownership program reopen?
Expected July 2026 when new funding is allocated. Meanwhile FHLB HELP and city grants still move deals — get pre-approved so you can submit day one when the county window opens.
Which Davis County cities have their own DPA programs?
Layton ($10,000 forgivable — open) and Clearfield ($7,500 matching — waitlist this cycle). Every Davis County city can use FHLB HELP; county deferred help applies countywide when funded.
Can I combine city and county programs?
Yes. A Layton buyer can combine At Home in Layton ($10K) + FHLB HELP ($20K) + UHC when helpful + Davis County ($50K when open). We keep underwriting stacks clean.
What does "deferred loan" mean?
A deferred loan means you make no monthly payments on the assistance amount. You repay the balance only when you sell, refinance, or pay off your primary mortgage. The Davis County program charges just 1% interest on the deferred balance.
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
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