Kaysville Down Payment Assistance Programs at a Glance
UHC 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)
AvailableDavis County Homeownership Program
PausedAbout Kaysville Down Payment Assistance
Kaysville is an established, affluent community in central Davis County. Known for excellent schools, beautiful tree-lined streets, and a charming downtown, Kaysville attracts buyers seeking a traditional neighborhood feel.
Kaysville DPA Program Highlights
- Highly-rated Davis High School
- Historic downtown with local shops and restaurants
- Beautiful established neighborhoods with mature trees
- Easy access to I-15 and FrontRunner
Need Local Help?
Our team specializes in Davis County DPA programs. We're located in Clearfield and serve all of Kaysville.
DPA Programs Available in Kaysville
6+ down payment assistance programs serve Kaysville homebuyers
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.
Davis County Homeownership Program
deferred loanUp to $50,000 as a deferred loan with 1% interest compounded annually. NO MONTHLY PAYMENTS. Full amount + interest repaid when home is sold, refinanced, or ceases to be primary residence. Can be used for principal reduction, rate buydown (max $10K), down payment (50%), and/or closing costs. Can stack with State DPA for up to $70K combined! Max purchase price $500K.
How to Apply for Kaysville 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 Kaysville within program purchase price limits.
Close & Move In
Complete the loan process and receive your down payment assistance at closing.
Kaysville Down Payment Assistance FAQ
What down payment assistance is available in Kaysville?
Kaysville homebuyers can access the Davis County Homeownership Program (up to $50,000 when available) plus statewide UHC programs offering grants and second mortgages. Combined assistance can exceed $50,000.
Are Kaysville homes more expensive?
Yes, Kaysville has some of the highest median prices in Davis County due to its established neighborhoods and school reputation. However, DPA programs work on a percentage basis, so higher-priced homes can still receive significant assistance.
Can I use DPA on older homes in Kaysville?
Absolutely! Most DPA programs work on existing homes of any age, as long as they meet standard property requirements. Kaysville's charming older homes are eligible.
What are Kaysville income limits for DPA?
Davis County uses 80% AMI limits. For 2025, this ranges from approximately $61,850 (1 person) to $88,300 (4 people). UHC programs have higher limits. Take our quiz for personalized results.