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

Click on any program to apply or click on "Apply Now".

3% Down Grant

Click to see details

  • 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.
Apply Now

3% Down Grant for First Time Home Buyers

Click to see details

  • Must be a first time home buyer.
  • 3% Grant for down payment up to $15,000.
  • No income restrictions.
  • Silent 2nd that is repayed when you refinance or sell.
  • No payments and no interest due.
  • Min FICO of 700.
Apply Now

Davis County Down Payment Assistance (DPA)

Click to see details

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.

Apply Now

Davis County Grant

Click to see details

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.

Apply Now

Clearfield City Grant

Click to see details

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.

Apply Now

Layton City Grant

Click to see details

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.

Apply Now

Borrow Smart Grant for Davis County

Click to see details

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.
Apply Now

Home Empowered Grant for Davis County

Click to see details

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.
Apply Now

Settlers Fund Grant for Davis County

Click to see details

Grant Amount: 3.5% of the purchase price.

Repayment: None required after 36 on-time payments.

Apply Now

Chickasaw Grant for Davis County

Click to see details

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.
Apply Now

Utah Housing Programs

Click to see details

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.

Apply Now

Davis County Grant

Click to see details

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.
Apply Now

Clearfield Grant

Click to see details

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

Eligibility:

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

Layton City Grant

Click to see details

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.
Apply Now

Chenoa Fund

Click to see details

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.
Apply Now

Utah Housing Corporation Loan

Click to see details

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

Available Programs:

  • FirstHome
  • HomeAgain
  • Score
  • NoMI
Apply Now

Rural Housing Program

Click to see details

Benefits: Offers 100% financing for eligible rural properties.

Availability: Extensive coverage in most of the county.

Apply Now

These programs are designed to make homeownership more accessible for residents of Davis County, offering a variety of options to suit different financial needs and circumstances. For more information or to apply, please contact us.

Get Started!

Take advantage of the grants and loan programs in Carbon County to fuel your aspirations and drive progress in the community. Contact us for more information on how to apply and benefit from these opportunities.