Davis County Down Payment Assistance: Up to $10,000 Forgivable
Davis County's forgivable loan gives first-time buyers up to $10,000 forgiven entirely after 5 years — no repayment required if you stay. Stack it with UHC and you're looking at $25,000+ in total assistance for homes in Layton, Bountiful, Farmington, Kaysville, and throughout the county.
Forgiveness Schedule
See how the loan is forgiven over time when you stay in your home
Example: With $10,000 DPA, after 3 years you've had $4,000 forgiven. If you sell, you repay $6,000.
Eligibility Requirements
Buyer Qualifications
- ✓First-time buyer (no ownership in 3 years)
- ✓Income at or below 80% Area Median Income
- ✓Complete HUD-approved homebuyer education
- ✓Primary residence requirement
- ✓Meet credit score requirements
Property Requirements
- ✓Located within Davis County
- ✓Single-family, townhome, or condo
- ✓Meet minimum property standards
- ✓Pass required inspections
- ✓Within purchase price limits
Loan Requirements
- ✓First mortgage from approved lender
- ✓Works with FHA, VA, USDA, Conventional
- ✓UHC loans are compatible
- ✓Combined LTV limits may apply
- ✓Minimum buyer contribution
Income Limits (80% AMI)
Maximum household income to qualify for Davis County assistance
*Income limits updated annually. Contact us for current limits.
Eligible Cities & Areas
Properties in any Davis County community qualify for assistance
How to Apply
Verify Eligibility
Confirm income limits and first-time buyer status
Homebuyer Education
Complete HUD-approved course and get certificate
Get Pre-Approved
Work with lender experienced in Davis County programs
Find a Home
Search for properties in Davis County within limits
Apply for DPA
Submit application through Davis County Housing
Close on Home
Complete purchase with assistance applied
Exploring Davis County
Cities, parks, and schools from Bountiful to Layton — hover a pin to learn more
Featured Cities
- Layton
Davis County seat area — easy Hill AFB commute and diverse housing options.
- Bountiful
Hillside community with incredible valley views and top-rated schools.
- Farmington
Station Park shopping, beautiful parks, and FrontRunner rail access.
- Kaysville
Orchard-country charm with peaceful neighborhoods and great walkability.
- Clearfield
Affordable entry point to Davis County near HAFB and public transit.
- Syracuse
Lakeside growth city with newer homes and convenient freeway access.
Parks & Outdoors
- Cherry Hill
Full-service resort with water park, RV camping, and mini golf.
- Antelope Island State Park
Bison herds and Great Salt Lake views on Utah's largest island.
- Legacy Nature Preserve
Peaceful wetlands trail perfect for wildlife photography.
- Mueller Park Trail
Beloved Bountiful canyon hike through shaded forests.
- Farmington Bay Wildlife
Premier shorebird habitat on the east shore of Great Salt Lake.
Schools & Education
- Davis High School
Kaysville landmark school with state championship athletic programs.
- Layton High School
Large North Davis school serving a vibrant, growing community.
- Bountiful High School
Hillside high school with strong academics and community ties.
- Clearfield High School
Diverse school near Hill AFB with JROTC and strong programs.
- Farmington High School
Newer school with modern facilities and excellent resources.
✦ Real Client Stories
What Our Clients Say
"Nick was awesome!"
"Nick was awesome!"
"Nickolas was really helpful, understanding my schedule and my time."
"Nickolas went above and beyond for me. Would easily recommend him."
Ready to Buy in Davis County?
Buying in Davis County? We can run through which programs apply to your situation — the forgivable loan, UHC, or both — in a free 15-minute call.