Clearfield Utah First Time Home Buyer Programs 2026
Down payment assistance with FHLB HELP ($20,000 forgivable) + Davis County ($50,000) + UHC programs — up to $70,000+ for first time buyers
Free eligibility quiz • No SSN required • Results in 5 minutes
Clearfield at a Glance
Clearfield Down Payment Assistance Programs at a Glance
Clearfield City Down Payment Assistance (CCDP)
PausedUHC DPA Second Mortgage (Traditional)
AvailableUHC DPA Second Mortgage (Deferred)
AvailableUHC Utah Veteran Grant
LimitedUHC Law Enforcement / Correctional Officer Assistance
PausedUHC First-Time Homebuyer Assistance (New Construction)
AvailableAbout Clearfield Down Payment Assistance
First time home buyer programs in Clearfield, Utah offer up to $70,000+ in combined down payment assistance. Currently available: FHLB HELP ($20,000 forgivable grant), UHC programs ($27,500), and Davis County DPA ($50,000 when reopened July 2026). Note: Clearfield City's $7,500 program is currently out of funds. With lower home prices than Layton or Kaysville, your DPA goes further in Clearfield.
Clearfield DPA Program Highlights
- FHLB HELP Program: $20,000 forgivable grant available NOW for first time buyers
- Clearfield City DPA ($7,500) currently out of funds — check back for updates
- Lower median prices than Layton or Kaysville — your DPA goes further
- Close proximity to Hill Air Force Base — great for military/DOD employees
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
Clearfield City Down Payment Assistance (CCDP)
grantUp to $7,500 MATCHING grant for first-time homebuyers purchasing in Clearfield. Program matches what buyer puts down dollar-for-dollar — put $7,500 down, get $7,500 grant. Earnest money and pre-paid costs count toward your contribution. Federally funded through CDBG. Administered by Davis Community Housing Authority (DCHA). CURRENTLY OUT OF FUNDS - check back for updates.
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.
UHC Law Enforcement / Correctional Officer Assistance
grantSpecial assistance for Utah Law Enforcement Officers and Correctional Officers who are first-time homebuyers. FUNDS CURRENTLY DEPLETED - Waiting list implemented. See UHC website for waiting list instructions.
UHC First-Time Homebuyer Assistance (New Construction)
deferred loanUp to $20,000 for NEW CONSTRUCTION homes only. Funds for down payment, closing costs, and/or permanent rate buydown. Utah Legislature funded $50M to help ~2,500 first-time buyers. 558 remaining as of Jan 2026. Deferred loan, repaid on sale/refi/rental.
How to Apply for Clearfield Down Payment Assistance
Check Eligibility
Take our free 5-minute quiz to see which Davis County programs you qualify for.
Get Pre-Approved
Work with a participating lender to get pre-approved for a mortgage and DPA programs.
Find Your Home
Shop for a home in Clearfield within program purchase price limits.
Close & Move In
Complete the loan process and receive your down payment assistance at closing.
Clearfield Down Payment Assistance FAQ
What is the Clearfield City Down Payment Assistance Program?
The Clearfield City Down Payment Assistance Program (CCDP) is a federally funded MATCHING grant up to $7,500 for first-time homebuyers. CURRENTLY OUT OF FUNDS — contact Davis Community Housing Authority (DCHA) at 801-773-7922 to ask about future funding. When available, it matches your down payment dollar-for-dollar.
What down payment assistance is available in Clearfield, Utah in 2026?
Clearfield first time buyers can access: FHLB HELP Program ($20,000 forgivable — available NOW), Davis County Homeownership Program ($50,000 — reopening July 2026), plus UHC programs ($27,500). Note: Clearfield City DPA ($7,500) is currently out of funds. Combined available programs offer $45,000+ in assistance.
What first time buyer programs are available in Clearfield right now?
Currently available for Clearfield buyers: FHLB HELP ($20,000 forgivable after 5 years), UHC FirstHome Loan with up to $27,500 DPA, and Utah Veteran Grant ($2,500 for veterans). The Davis County program reopens July 2026. Take our free quiz to see which programs you qualify for.
Are there programs for Hill AFB employees buying in Clearfield?
Yes! Military members and veterans have access to UHC VA programs plus the Utah Veteran Grant ($2,500). All Hill AFB employees (military and civilian) can use FHLB HELP ($20,000), Davis County DPA (when available), and standard UHC programs. Our Clearfield office specializes in helping Hill AFB families.
Why is Clearfield good for first time home buyers?
Clearfield offers: (1) The lowest median prices in central Davis County ($450,000 vs $520,000+ in Layton), (2) Access to all Davis County and state DPA programs, (3) FrontRunner commuter rail access, (4) Proximity to Hill AFB, (5) Good Davis School District schools. Your assistance goes further here!
Where can I get help buying a home in Clearfield?
Our office is located right here in Clearfield at 1725 E 1450 S Ste 100. We specialize in helping Davis County first time buyers navigate DPA programs. Take our free eligibility quiz or call (801) 820-7620.