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. Davis County's Homeownership Assistance Program offers up to $50,000 at 1% interest with no monthly payments, repaid at sale or refinance. Veterans at Hill can add a VA loan on top for zero down and no PMI, making this one of the strongest no-cash-needed combinations on the Wasatch Front.
Programs Available for Clearfield Buyers
Davis County Homeownership Assistance
1% interest, no monthly payments, repaid at sale or refi (not forgivable)
UHC FirstHome / FHA-VA Mortgage
FirstHome for first-time buyers (660+); FHA/VA Mortgage for repeat buyers (620+). Stack with Davis County DPA. HomeAgain currently suspended.
VA Loans (Hill AFB Veterans)
Zero down, no PMI, ideal for Clearfield military families
FHA Loans
580+ credit, DPA-compatible, low down payment option
Why First-Time Buyers Pick Clearfield
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. Davis County's $50,000 Homeownership Assistance Program covers the entire city, and VA buyers can close with minimal cash out of pocket.
*Davis County DPA is a deferred loan, not forgivable, full balance plus 1% interest repaid at sale/refi. 2025 funding cycle exhausted; reopens July 1, 2026. Current Ogden metro pricing (Clearfield rolls up here) appears in the Realtor.com section below.
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, with 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
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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 minimal-out-of-pocket actually looks like.
Official Sources
Verify current program funding, dollar amounts, and eligibility before relying on them in a transaction. Program details can change annually.