Roy 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)
AvailableFHLB HELP Program
AvailableAbout Roy Down Payment Assistance
Roy is Weber County's second-largest city, offering affordable housing, good schools, and convenient access to both Ogden and Davis County. It's a popular choice for families and Hill AFB employees.
Roy DPA Program Highlights
- Second-largest city in Weber County
- Very close to Hill Air Force Base
- More affordable than many neighboring areas
- Roy High School and good elementary options
Need Local Help?
Our team specializes in Weber County DPA programs. We're located in Clearfield and serve all of Roy.
DPA Programs Available in Roy
6+ down payment assistance programs serve Roy 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.
FHLB HELP Program
forgivable loanHomebuyer Equity Leverage Partnership (HELP) - $20,000 forgivable grant for Utah buyers. Available with Conventional, FHA, VA, or USDA loans. Fixed rate 15, 20, 25, or 30-year terms. Purchase or refinance. Owner-occupied 1-4 unit properties. First-time homebuyers only with household income ≤80% AMI. Minimum $500 borrower contribution required.
How to Apply for Roy Down Payment Assistance
Check Eligibility
Take our free 5-minute quiz to see which Weber 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 Roy within program purchase price limits.
Close & Move In
Complete the loan process and receive your down payment assistance at closing.
Roy Down Payment Assistance FAQ
What down payment assistance is available in Roy?
Roy homebuyers can access statewide UHC programs including grants up to $2,500 (Utah Veteran Grant) and second mortgages up to $27,500. Note: The Own in Ogden program is limited to Ogden city limits and doesn't cover Roy.
Is Roy a good option for military families?
Yes! Roy is extremely close to Hill AFB and offers affordable housing. Veterans can access the UHC Utah Veteran Grant ($2,500) plus UHC VA mortgage programs. Active duty can use FHA/VA loans with UHC DPA.
How does Roy compare to Ogden for DPA?
Ogden has the advantage of the Own in Ogden program ($25,000-$50,000). Roy buyers can still access UHC programs but won't qualify for the Ogden-specific assistance. However, Roy's lower prices can offset this.
What are Roy home prices like?
Roy offers very affordable homes with a median around $420,000 — lower than Layton, Kaysville, or many Salt Lake suburbs. This makes it excellent for first-time buyers maximizing their DPA.