Davis County Down Payment Assistance 2026

$10,000 grant for up to 50% of required down payment, closing costs, or principal reduction. Secured by Promissory Note and Trust Deed. Must be repaid if home sold before 5 years; fully forgiven after 5 years of occupancy.

Up 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.

Borrow 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). Can stack with local city/county DPA when the local program agrees to third lien position (UHC 2nd, local DPA 3rd).

Borrow 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. Can stack with local city/county DPA when the local program agrees to third lien position (UHC 2nd, local DPA 3rd).

TRUE 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.

Special 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.