First-Time Home Buyer Programs in Clearfield, Utah
Clearfield borders Hill Air Force Base and is one of the most affordable entry points in Davis County. The Davis County forgivable loan — $10,000, fully forgiven after 5 years — covers the entire city. Veterans at Hill can add a VA loan on top for zero down, no PMI, and $10,000 that disappears after 5 years.
Programs Available for Clearfield Buyers
Davis County Forgivable Loan
100% forgiven after 5 years — $0 to repay if you stay
UHC FirstHome / HomeAgain
Stack with Davis County for $25,000+ total on UHC loans
VA Loans (Hill AFB Veterans)
Zero down, no PMI — ideal for Clearfield military families
FHA Loans
580+ credit, DPA-compatible, low down payment option
Davis County Forgiveness Schedule
Example based on $10,000 DPA — forgiven 20% per year
2026 Clearfield Housing Market Snapshot
Clearfield is one of the most affordable cities in Davis County — and sitting directly on the Hill AFB perimeter makes it an especially strong market for military first-time buyers. The $10,000 forgivable loan covers the entire city, and VA buyers can close with $0 out of pocket.
*Forgiveness requires remaining in the home for 5 years. Based on 2026 Davis County program terms.
Clearfield Neighborhoods & Areas
How to Apply
Check Eligibility
Confirm income limits (80% AMI), first-time buyer status, and credit score
Homebuyer Education
Complete a HUD-approved homebuyer education course
Get Pre-Approved
Work with a Davis County DPA-approved lender
Find Your Home
Search Clearfield for homes within program purchase limits
Apply for DPA
Submit Davis County application with your lender
Close & Move In
Close on your home with DPA applied at settlement
Living in Clearfield
Neighborhoods, parks, and schools to know as you search for your first home
Featured Neighborhoods
- West Clearfield
Affordable starter homes with easy freeway access — one of Davis County's most accessible entry points for first-time buyers.
- East Clearfield
Quieter, established streets with mature trees and a mix of older ranch homes and newer builds.
- Clearfield City Center
Walkable to city amenities, parks, and the rec center — good value for buyers who want to be close to everything.
- Freeport Park Area
Industrial-adjacent but surprisingly residential — working-class neighborhood with some of the lowest price points in Davis County.
- Hill AFB Corridor
Minutes from the base gates — highest concentration of military families, strong sense of community, and quick base access.
Parks & Outdoor Spaces
- Centennial Park
Clearfield's central community park with sports fields, walking paths, and open green space for families.
- Clearfield Aquatic Center
Indoor pool complex with lap lanes, slides, and fitness facilities — a community favorite year-round.
- Antelope Island State Park
Iconic Utah experience 25 minutes west — bison herds, mountain biking, beaches, and Great Salt Lake views.
- Pineview Reservoir
Popular summer spot in Ogden Canyon — boating, paddleboarding, fishing, and camping about 45 minutes away.
- Mueller Park Trail
Beginner-friendly trail in Bountiful's foothills with mountain views — accessible in 30 minutes.
Schools & Education
- Davis School District
One of Utah's top-rated districts — 98 schools, 70,000+ students, strong academics and CTE programs.
- Clearfield High School
Large comprehensive high school with strong athletics, CTE programs, and a deep connection to the Hill AFB community.
- South Davis Junior High
Well-regarded middle school serving South Clearfield with strong STEM electives.
- West Point Junior High
Serves North Clearfield and West Point — known for its academic programs and community involvement.
- Crestview Elementary
Highly regarded elementary in Clearfield consistently praised by parents for staff quality and school culture.
✦ 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 Clearfield?
Clearfield is one of the best-value markets in Davis County right now — and Hill AFB buyers have one of the strongest program combinations anywhere in Utah. Takes about 15 minutes to run through your specific numbers and see what zero out-of-pocket actually looks like.