Davis County Homeownership Assistance: Up to $50,000
Davis County offers Utah's largest county-level program: up to $50,000 at 1% interest with no monthly payments. The full balance is repaid at sale or refinance. Open to any qualifying buyer at 80% AMI (not first-time-buyer-only). Available in Layton, Bountiful, Farmington, Kaysville, and throughout the county.
Buying before it reopens? Davis buyers can still use UHC statewide assistance, up to 6% on a UHC first mortgage, and first-time buyers of a newly built home under $450,000 can look at SB240. See new construction in Davis County.
Buying Your First Home in Davis County
Davis County sits between Salt Lake County and Weber County along the I-15 corridor: the sweet spot for buyers who want Wasatch Front access without Salt Lake City prices. The county's up-to-$50,000 1% loan is the largest county-level program in Utah, and unlike most local DPA it's open to repeat buyers as well as first-time buyers (income at or below 80% AMI is the gate, not ownership history).
Davis is heavily shaped by Hill Air Force Base in Layton and Clearfield. A large share of our Davis buyers are active-duty, civilian DoD, or veteran households. For those buyers, layering a VA loan + Davis County's 1% loan means $0 down, no PMI, and up to $50,000 toward closing costs and price reduction. One of the strongest no-cash-needed combinations anywhere on the Wasatch Front. Outside the Hill AFB orbit, our Davis clients are typically commuters into Salt Lake City (Bountiful, Centerville, Farmington) or Ogden-side buyers in North Davis (Layton, Kaysville, Syracuse) chasing newer construction at lower per-square-foot pricing.
Important to understand: this is a deferred loan, not a forgivable grant. You make no monthly payments while you live in the home, but the full balance plus 1% accrued interest is repaid at sale, refinance, or transfer of title. Funding is annually allocated and awarded first-come, first-qualified; the 2026 cycle reopened July 1, 2026 through the Neighborly portal. Confirm current funding availability with Davis County CED before relying on the program.
Repayment Terms
How the Davis County 1% loan repays
Example: $40,000 in assistance, sell after 7 years → repay $40,000 + ~$2,800 accrued interest = $42,800 at closing. Verify exact terms with Davis County CED at the time of application.
Hill AFB Buyer Playbook: The $50K Davis County Program
Hill AFB sits in Layton and Clearfield, putting active duty, civilian DoD, and veteran households inside the Davis County DPA service area. Here is how the money actually gets used.
- VA loan: $0 down payment, no PMI
- Davis DPA: up to $50,000 at 1%, no monthly payment, subject to VA secondary financing rules and lender approval
- VA funding fee: typically waived for service-connected disability; otherwise financed into loan
- Cash needed at closing: on VA financing alone, typically $0–$3,500 (inspection + earnest money, often refunded at closing)
- Up to $10,000 toward permanent interest rate buy-down
- Up to 50% toward required down payment + closing costs
- Remainder applied to principal reduction
- VA needs no down payment, so for veterans most of the $50K goes to price reduction + rate buy-down, directly lowering the monthly payment
Why this program stands out
At $50,000, Davis County runs the largest county-level program in the state. Salt Lake County's Own in SLC County program caps at $20K, and Utah County's Loan to Own ($40K) requires a $1,000 buyer contribution and is partially repaid over time rather than deferred at 1%. For Hill AFB families planning to stay 7+ years, the Davis structure is hard to beat on total cost, on its own. Confirm the rate buy-down allocation, the secondary financing rules that apply to your loan type, and the current funding window with Davis County CED (801-451-3291) before locking your offer strategy.
Eligibility Requirements
Buyer Qualifications
- ✓Income at or below 80% Area Median Income
- ✓Open to any qualifying buyer (NOT limited to first-time buyers)
- ✓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)
If your household is under 80% AMI, you qualify. Here are the exact numbers by household size.
*Income limits updated annually. Contact us for current limits.
Why First-Time Buyers Pick Davis County
Davis County offers a rare combination: strong job access (Hill AFB, I-15 corridor), lower prices than Salt Lake County, and Utah's largest county DPA (up to $50K at 1%).
*Based on 2026 Davis County Homeownership Assistance Program terms. Funding allocated annually; verify current availability with Davis County CED. Live Davis County pricing data appears in the Realtor.com section below.
Eligible Cities & Areas
From Bountiful to Layton to Clearfield, every Davis city counts
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 with 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!"
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"Nickolas went above and beyond for me. My case was really hard he did everything he could and worked day, nights and weekends to make sure my dream of being a homeowner came true."
Free resource
Planning a Davis County purchase? Get the free guide
How Utah down payment help works, how each program gets repaid, and the ten weeks from offer to keys, in one free PDF.
- The full buying process, start to finish
- What down payment help exists in Utah, and how each one gets repaid
- FHA vs VA vs USDA vs conventional, side by side
- The mistakes that cost first-time buyers the most
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What does your Davis County math actually look like?
Davis County's $50K loan is the largest county program in Utah, and for veterans a VA loan adds zero down financing. The actual number depends on your income, credit, and timeline. 15 minutes on a free call and you'll have the real estimate.
Official Sources
Verify current Davis County program funding, dollar amounts, and eligibility before relying on them in a transaction.