Home Buyer Grants and No-Down Payment Programs for Davis County (Bountiful, Clearfield, Centerville, Farmington, Kaysville,Layton, North Salt Lake, Syracuse, Woods Cross)

• No first time home buyer requirement.
• 3% Grant for down payment up to $15,000.
• 80% AMI.
• Silent 2nd that is repayed when you refinance or sell.
• No payments and no interest due.
• Min FICO of 620.

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Assistance Offered: Up to $50,000.

Eligibility:

• Purchase a home anywhere in Davis County.
• Must not currently be a rental property.
• Household income must not exceed family size limits (contact us for current limits).
• Complete a housing counseling program.

Repayment: 1% interest, repayable when the home is sold or vacated.

Requirements: Buyers must provide half of the required down payment. Funds may be used for principal reduction, interest rate reduction (up to $10,000), or closing costs.

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Grant Amount: Up to $10,000 for first-time homebuyers (not owned a home in the last 3 years).

Eligibility:

• Purchase a home in Davis County, excluding Clearfield and Layton.
• Provide half the required down payment.
• The property must not currently be a rental.

Grant covers the remaining half of the down payment and closing costs.

Forgiveness: The grant is pro-rated and forgiven over 5 years.

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Grant Amount: Matching funds up to $7,500.

Eligibility:

• First-time homebuyers only.
• Purchase within Clearfield City limits.
• Household income must meet family size limits.

Forgiveness: Grant is forgiven over a 7-year period.

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Grant Amount: Up to $10,000.

Eligibility:

• No first-time homebuyer requirement.
• Purchase within Layton City limits.
• Buyers must provide half the required down payment.

Forgiveness: The grant is pro-rated and forgiven over 5 years.

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Grant Amount: Up to $2,500.

Eligibility:

• No home ownership in the last 3 years.
• Applicable to 1-4 unit residences, including condos, PUDs, and manufactured homes.
• Mandatory homeownership education.

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Grant Amount: Provides up to 3.5% of the purchase price.

Eligibility:

• Purchase anywhere in Davis County.
• Owner-occupied homes only (no investment properties).
• Eligible for single-family homes, townhomes, condos, or duplexes.
• Qualification: For first-time buyers, single parents, essential service workers, or those at 140% of AMI.

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Grant Amount: 3.5% of the purchase price.

Repayment: None required after 36 on-time payments.

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Grant Amount: Up to $3,000 for down payment or closing costs.

Eligibility:

• Chickasaw Nation citizens only.
• Must be used for primary residences and cannot be used for investment properties or cash-out refinancing.

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First Time Buyer and FHA Zero Down Programs:

Offers significant down payment assistance and financing options, including no-money-down opportunities, subject to income and credit score limitations.

Conventional Zero Down:

Provides financing for down payment and closing costs, with income and credit requirements.

VA Loan Program:

No down payment required for military service members, veterans, and eligible dependents. No first-time homebuyer requirement.

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Assistance Offered: Up to $5,000 in down payment aid.

Eligibility:

• Available to first-time home buyers.
• Must adhere to Davis County Median Income Limits.

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Assistance Offered: Up to $7,500 in down payment assistance.

Eligibility:

• Open to first-time home buyers.
• Must adhere to Clearfield income limits.

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Assistance Offered: $10,000 grant that can be applied towards down payment, closing costs, or principal reduction.

Eligibility:

• Available to eligible first-time home buyers.

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Assistance Offered: Provides up to 3.5% of the home purchase price for 1-2 unit properties.

Program Options:

• Grant/Gift: Immediate financial assistance.
• Forgivable Second: Loan forgiven under certain conditions.
• Repayable Second: Flexible repayment terms with no income restrictions.

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Assistance Offered: Between 4%-6% of the purchase price as down payment assistance.

Available Programs:

• FirstHome
• HomeAgain
• Score
• NoMI

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Benefits: Offers 100% financing for eligible rural properties.

Availability: Extensive coverage in most of the county.

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