Davis County Down Payment Assistance: What’s Open, What’s Closed

The Money on the Search Page

You searched for Davis County down payment assistance, and the results offered you money. A $5,000 grant on one page. A $10,000 forgivable loan on another. Up to $50,000 on a third. Same county, same page of results, three very different amounts (which is a lot of confidence for a single search).

So the answer first. Davis County’s own homeownership assistance program is closed for the rest of this program year. The county says so at the top of its page, in one sentence: “The 2026 program funds have been exhausted. Applications will re-open on July 1, 2027.” That isn’t the end of the road for a Davis County buyer. It means the biggest local program isn’t on the menu this year, and what’s still open is statewide, plus one city program. Everything below sorts them into open, closed and call-first, with who runs each one.

The easiest way to picture it: a county assistance program is a food truck. It parks, it serves until the food runs out, and it comes back next season. A lot of what you found online is a photo of the truck from last summer. Still looks delicious. Still not open.

What the County Program Is, for When It Comes Back

Closed or not, it’s worth knowing, because it’s unusually generous and unusually open.

Davis County’s Homeownership Assistance program lends income-qualified buyers up to $50,000 toward a home in Davis County (ask the county to confirm your city), as published by Davis County Community and Economic Development, September 2026. The money can go to any mix of three things: principal reduction, a permanent interest rate buy-down of up to $10,000, and up to 50% of the required down payment and closing costs. Combined with the state’s assistance, the county says a buyer can receive up to $70,000 toward a home in Davis County.

It’s a loan, not a grant, and it isn’t forgiven. It’s repaid to the county when you sell, or when you refinance for a reason the county doesn’t accept. Get the full terms from the county in writing before you plan around it.

Three things set it apart from most assistance:

• It isn’t first-time-only. The county says it’s open to buyers who are income-qualified and meet its debt limits.
• The county doesn’t pull your credit to apply, and it doesn’t keep an approved-lender list.
• The amount is sized to you. The county sets it at whatever brings your housing costs down to 35% of your gross monthly income, up to the $50,000 limit (the only loan program we know of that starts by asking how much help you actually need).

The income limits are the county’s 2026 thresholds, as published by Davis County, 2026:

Those are HUD’s lines, not the county’s invention. The county’s guidelines set the limit at 80% of the area median income as HUD determines it each year, and every adult over 18 in the household counts. They’ll move before July 2027. Our side-by-side of first-time home buyer income limits in Utah shows how they compare with every other program’s.

The county’s program guidelines, dated April 2024, add the rest. The purchase price can’t exceed $500,000. You bring at least $1,000 of your own money. The first mortgage has to be fixed-rate, whether FHA, conventional, USDA or VA, with no adjustable-rate loans. Single-family homes, condos and townhomes qualify, new or existing, and manufactured homes don’t. You’ll need a HUD-approved homebuyer class, a signed purchase contract and a pre-approval letter before you apply. And there’s no waiting list.

That last part matters more than it sounds. The guidelines say money is allocated each July 1 and the application period closes when that year’s funds run out, first come, first qualified. So July 1, 2027 is a start line, not a window. A buyer planning a 2027 purchase in Davis County wants to be pre-approved, under contract and holding a class certificate close to that date, not reading about the program for the first time that week.

Questions go to Davis County Community and Economic Development at 801-451-3291, and the details are on the county’s program page.

What’s Open to a Davis County Buyer Right Now

Utah Housing Corporation, statewide. This is the main event this year, not a footnote. Utah Housing runs three first mortgages under its own names, FirstHome, FHA/VA Mortgage and Freddie Mac HFA Advantage, and its assistance rides behind them. Its program form describes a down payment assistance second loan of up to 6% of the first mortgage loan amount, as published by Utah Housing Corporation. It’s a second mortgage, not a gift, and it’s only available with a Utah Housing first mortgage, through one of its approved participating lenders. We place Utah Housing loans, and we’ll tell you which of its programs fits.

For a Davis County buyer, FirstHome’s limits look like this, as published by Utah Housing Corporation, September 2026:

Notice those sit well above the county program’s lines. A household too high for the county’s help can still be comfortably inside Utah Housing’s (the two programs aren’t measuring the same thing, and neither one is wrong). FHA/VA Mortgage and HFA Advantage go further still: a single $165,200 income limit in every county, and no purchase-price limit. The live numbers are on Utah Housing’s limits page, and our guide to Utah down payment assistance shows how the layers stack.

New construction. Utah Housing’s First-time Homebuyers Assistance Program lets a first-time buyer borrow up to $20,000 in program funds toward a newly built home that nobody’s lived in, with a purchase price that can’t exceed $450,000, as published by Utah Housing Corporation, September 2026. Funds last until they’re gone. The current word is on Utah Housing’s S.B. 240 page.

If you’ve served. The Utah Veteran First-Time Homebuyer Grant is $2,500, for veterans who separated within the last five years and for current service members, Active Duty, Reserve and Guard, as published by the Utah Department of Veterans and Military Affairs, September 2026. It works with any licensed Utah lender. Its page says it’s subject to funding from the Legislature and doesn’t say whether it’s funded today, so call UDVMA at 801-326-2372 before you count on it. Details are on the department’s grant page.

If you’re buying in Layton. Layton City runs its own program, At Home in Layton, and this is the $10,000 you probably saw. It’s a $10,000 grant, Layton City’s own program, toward up to 50% of the down payment, closing costs or principal reduction, for households under 80% of the area median income, on a purchase price up to $550,000, as published by Layton City, 2026. It uses the same income table as the county’s. It’s secured against the home, and some or all of it goes back to the city if you sell too soon. Layton’s current round runs from July 1, 2026 to June 30, 2027, or until the money’s gone, first come, first served. Whether any is left today, the city’s CDBG administrator can tell you at 801-336-3770. Layton’s announcement has the details.

Here’s the whole picture on one table:

Where the $5,000 and the $10,000 Came From

Nobody in this section did anything wrong on purpose. Assistance programs change, and pages about them don’t always change with them.

The $10,000 is Layton’s, not the county’s. Layton City describes At Home in Layton as a $10,000 grant, and it’s the one Davis County-area program on this page that can be forgiven. The county’s own loan can’t be. When a search result pins “$10,000 forgivable” on Davis County, it’s borrowing a Layton program and a county name.

The $5,000 isn’t a program anyone publishes today. Davis County’s page and its current guidelines describe no $5,000 grant. The housing authority that used to run homebuyer grants alongside the county says it stopped on June 30, 2023, and that all its programs have closed. Whatever a $5,000 page is describing, nobody who runs Davis County homebuyer assistance is offering it now. If someone quotes it to you, ask them who administers it and how to apply. The answer will tell you everything.

A flat opinion, and you’re welcome to argue with it: the most useful sentence on any assistance page is the one that says the money’s gone. Davis County’s page says it in the first line. That makes the county’s own page more trustworthy than most of the pages advertising its program, which is a strange thing to write and we’re writing it anyway. Tooele County’s program closed the same way, and our page on Tooele first-time home buyer programs shows what that looks like one county over.

Before You Count on Any of It

Put these to whoever’s helping you, and get the answers in writing.

1. Is this program open today, and who told you?
2. Who administers it, and what’s their phone number?
3. Is it a grant, or a loan, and when does it come back?
4. Which income table applies, and which year’s is it?
5. Does it need a particular first mortgage or a particular lender?
6. If it’s closed, what’s the next program on the list?

Anyone who answers all six without checking a single website is guessing (and probably read the same search results you did).

The Truck Comes Back

There’s a particular letdown to finding the program you’d pinned your plans on is closed. You found the number. You checked the income table. You were in. And then one sentence at the top of a county page says not this year.

It isn’t a verdict on your plans. It’s a date. The county’s program comes back on July 1, 2027, the statewide programs are open now, and a buyer who’s ready early is the one who gets served first when the truck pulls back in.

Nobody should give up on buying in Davis County because of a banner, or plan around a number nobody’s offering.

Let’s Find What’s Open for You

Sorting out Davis County down payment assistance starts with one call. We’ll look at your household, your income and the home you want, check you against the programs that are open this month, and tell you plainly which ones fit, including when the honest answer is “that one’s closed, here’s what’s next.” When you’re ready, a mortgage pre-approval in Utah is the first step, and our Utah first-time home buyer guide covers the rest of the path.

We communicate constantly, so you’ll never wonder where your loan stands. We explain everything in plain English, with no confusing mortgage jargon, including which program is actually open. And because we’re brokers, we shop hundreds of lenders to find the best rate, with some of the lowest fees in Utah.

Call (801) 891-1846 or email [email protected]. ClearPath Utah Mortgage, 10168 South 2505 East, Sandy, UT 84092.

The money comes back on a schedule. Let’s have you ready when it does.