Layton City Down Payment Assistance 2026
First time home buyer programs including At Home in Layton, Davis County DPA, and state programs — up to $70,000+ combined
Free eligibility quiz • No SSN required • Results in 5 minutes
Layton at a Glance
Layton Down Payment Assistance Programs at a Glance
At Home in Layton
AvailableUHC 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 Layton Down Payment Assistance
Layton City down payment assistance programs help first time home buyers purchase homes in Davis County's largest city. Layton has its own At Home in Layton program plus access to Davis County DPA, FHLB HELP grants, and statewide UHC programs — combining for $70,000+ in potential assistance.
Layton DPA Program Highlights
- At Home in Layton: Layton's own DPA program for city residents
- FHLB HELP Program: $20,000 forgivable grant for first time buyers
- Davis County's largest city with 80,000+ residents
- Excellent Davis School District schools and FrontRunner access
Need Local Help?
Our team specializes in Davis County DPA programs. We're located in Clearfield and serve all of Layton.
DPA Programs Available in Layton
6+ down payment assistance programs serve Layton homebuyers
At Home in Layton
grant$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.
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 Layton 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 Layton within program purchase price limits.
Close & Move In
Complete the loan process and receive your down payment assistance at closing.
Layton Down Payment Assistance FAQ
What down payment assistance is available in Layton City in 2026?
Layton City first time buyers can access: At Home in Layton (city-specific DPA), FHLB HELP Program ($20,000 forgivable grant), Davis County Homeownership Program (up to $50,000 when funding is available), and UHC programs ($27,500). Combined, Layton buyers can access $70,000+ in assistance.
What is the At Home in Layton program?
At Home in Layton is Layton City's own down payment assistance program for first time home buyers purchasing within city limits. Contact Layton City for current funding status and program details, as this program may have limited availability.
What first time buyer programs are available in Layton?
Layton first time buyers qualify for: FHLB HELP ($20,000 forgivable), At Home in Layton (city program), Davis County DPA (up to $50,000 when available), and UHC FirstHome Loan with $27,500 DPA. Take our free quiz to see which programs match your situation.
What are the income limits for Layton down payment assistance?
Most programs use 80% AMI limits (approximately $88,300 for a family of 4 in Davis County). UHC programs have higher limits up to $162,500. Take our free eligibility quiz to see which Layton programs you qualify for.
How do I apply for down payment assistance in Layton City?
Start with our free eligibility quiz to see which programs you qualify for. Our team in nearby Clearfield specializes in Davis County first time buyer programs. Call (801) 820-7620 or visit us at 1725 E 1450 S Ste 100, Clearfield.