About Roy
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.
Key Facts
- 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 FirstHome Loan
first mortgageUHC's lowest interest rate first mortgage for first-time homebuyers. FHA or VA financing. Requires 660 minimum credit score. Can be combined with UHC DPA Second Mortgage. Income limits: $116,100-$142,400 (1-2 person) depending on county. Max purchase price varies by county ($544,200-$772,400).
UHC FHA/VA Mortgage
first mortgageFHA or VA first mortgage for first-time OR repeat buyers. Interest rate slightly higher than FirstHome. Requires 620 minimum credit score. Allows 1-2 unit properties (can rent part of home). Income limit: $162,500 qualifying income. No purchase price limit. Can combine with UHC DPA.
UHC Freddie Mac HFA Advantage
first mortgageConventional loan program with potentially lower monthly mortgage insurance than FHA. Requires 680 minimum credit score. May have slightly higher interest rate but lower MI = lower overall payment. Income limit: $162,500. Can combine with UHC DPA. Good for buyers with strong credit.
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.
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.