Davis County Homeownership Program
Davis County Community and Economic Development
Up to
$50,000
Assistance
Deferred Loan
Area
Davis
Buyers
First-time & repeat buyers
Income
80% AMI limit
Funding renews
July 1
What This Program Offers
Up 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.
- Stacks with UHC programs when Davis County agrees to third lien position (UHC 2nd, county DPA 3rd).
- Max purchase price $500K.
Who Qualifies
Location
Buyer type
Primary residence
Education course
Your contribution
Income limits
Household income must not exceed 80% AMI for Davis County
| Household | 80% AMI Limit |
|---|---|
| 1 person | $66,050 |
| 2 people | $75,450 |
| 3 people | $84,900 |
| 4 people | $94,300 |
Showing sizes 1-4. See all household sizes
Davis County • FY 2025 HUD Income Limits
How to Apply
- 1
✅ Funding replenished July 1, 2026 — applications now being accepted.
- 2
Get pre-qualification letter from a reputable lender.
- 3
Execute a Real Estate Purchase Contract (REPC) for a Davis County home.
- 4
Complete HUD-approved homebuyer education (USU Online Course recommended).
- 5
Download the application packet (link below) and gather required documents.
- 6
Apply through the Neighborly portal or submit directly to Davis County.
- 7
Davis County performs visual inspection and environmental review.
- 8
Processing takes approximately 25-30 days.
- 9
Funds disbursed at closing.
Documents you'll need
- Completed Davis County application packet
- Pre-qualification letter from lender
- Executed Real Estate Purchase Contract (REPC)
- HUD-approved homebuyer education certificate
- Income documentation (pay stubs, tax returns, W-2s)
- Proof of $1,000 minimum contribution
- Cash reserves for 1 month housing expenses
Program Contact
Last verified: 2026-07-07