About Clearfield
Clearfield offers affordable housing options in Davis County with easy access to Hill Air Force Base, I-15, and FrontRunner. The city has seen significant growth and revitalization in recent years.
Key Facts
- More affordable than many neighboring Davis County cities
- Close proximity to Hill Air Force Base employment
- FrontRunner station for Salt Lake and Ogden commuting
- Growing downtown area with new development
Need Local Help?
Our team specializes in Davis County DPA programs. We're located in Clearfield and serve all of Clearfield.
DPA Programs Available in Clearfield
6+ down payment assistance programs serve Clearfield homebuyers
UHC FirstHome Loan
first mortgageUHC's lowest interest rate first mortgage for first-time homebuyers. FHA or VA financing. Requires 660 minimum credit score. Can be combined with UHC DPA Second Mortgage. Income limits: $116,100-$142,400 (1-2 person) depending on county. Max purchase price varies by county ($544,200-$772,400).
UHC FHA/VA Mortgage
first mortgageFHA or VA first mortgage for first-time OR repeat buyers. Interest rate slightly higher than FirstHome. Requires 620 minimum credit score. Allows 1-2 unit properties (can rent part of home). Income limit: $162,500 qualifying income. No purchase price limit. Can combine with UHC DPA.
UHC Freddie Mac HFA Advantage
first mortgageConventional loan program with potentially lower monthly mortgage insurance than FHA. Requires 680 minimum credit score. May have slightly higher interest rate but lower MI = lower overall payment. Income limit: $162,500. Can combine with UHC DPA. Good for buyers with strong credit.
UHC DPA Second Mortgage (Traditional)
second mortgageBorrow up to 6% of first mortgage loan (max $27,500) for down payment and closing costs. 30-year fixed rate, 1% higher than first mortgage (max 8%). Monthly payment required. Must be combined with UHC first mortgage (FirstHome, FHA/VA, or HFA Advantage).
UHC DPA Second Mortgage (Deferred)
deferred loanBorrow up to 3.5% of first mortgage loan (max $27,500) for down payment and closing costs. 30-year fixed at 3.5% deferred simple interest. NO MONTHLY PAYMENT required. Principal + deferred interest due on sale, refinance, or maturity. Must combine with UHC first mortgage.
UHC Utah Veteran Grant
grantTRUE GRANT - $2,500 cash at closing, NO REPAYMENT REQUIRED. For veterans or active military who separated within last 5 years AND are first-time Utah homebuyers. Limited funds available (79 remaining as of Jan 2026). Can combine with any UHC loan program.
Clearfield Down Payment Assistance FAQ
What down payment assistance is available in Clearfield?
Clearfield homebuyers can access the Davis County Homeownership Program (up to $50,000 when available) plus statewide UHC programs. With typically lower home prices than Layton or Kaysville, your assistance goes further in Clearfield.
Are there programs for Hill AFB employees buying in Clearfield?
Yes! Military members and veterans have access to UHC VA mortgage programs plus the Utah Veteran Grant ($2,500). These can be combined with Davis County assistance when available. Active duty and DOD civilians can also use standard DPA programs.
Is Clearfield a good place for first-time homebuyers?
Absolutely! Clearfield offers some of the most affordable homes in Davis County while still having FrontRunner access, good schools, and proximity to shopping. First-time buyers often find they can afford more home here.
Where can I get help with Clearfield home buying?
Our office is located right here in Clearfield at 1725 E 1450 S Ste 100. We specialize in helping Davis County buyers navigate DPA programs. Take our free quiz or call (801) 820-7620.