Davis & Weber County Down Payment Assistance (Layton, Ogden)
From Bountiful to Ogden, Davis and Weber County buyers get one of Utah Housing's higher price caps. If you're near Hill Air Force Base or buying your first home in Layton or Clearfield, here's how the assistance and the VA-loan pairing work.
How Utah Housing DPA works in Davis and Weber County
Davis and Weber County share a limit tier with Morgan, Summit, and Wasatch: a $778,500 acquisition cap and an income ceiling of $141,400 for a couple or $164,600 for a larger household. That is the most generous of the standard Wasatch Front tiers, which makes sense given how tight inventory has gotten in Layton, Farmington, and Kaysville. The assistance is a Utah Housing second mortgage that covers your down payment and closing costs, Traditional up to 6% or Deferred up to 3.5%, both capped at $27,500.
What sets this corridor apart is the military presence. Hill Air Force Base sits between Layton, Clearfield, and Roy, and a large share of my buyers here are active-duty, civil-service, or veterans. If that is you, a VA first mortgage can pair with Utah Housing so the DPA covers closing costs on a zero-down VA loan, and UHC has a separate Veteran Grant on top of that.
Which Davis and Weber areas fit best?
The $778,500 cap covers almost everything a first-time or move-up buyer would shop here. In Davis County, Clearfield, Roy, Clinton, Syracuse, West Point, and Layton carry the most homes in range, with Kaysville, Farmington, Centerville, and Bountiful sitting higher but still often under the cap. In Weber County, Ogden, South Ogden, Riverdale, Roy, and Washington Terrace offer some of the most affordable detached homes on the Wasatch Front. Ogden’s older east-bench neighborhoods are a favorite for buyers who want character without leaving the county.
Buying near Hill Air Force Base
If you are stationed at or working around Hill AFB, you have more paths than most buyers realize. A VA loan gets you in with no down payment, and Utah Housing DPA can cover the closing costs a VA buyer still owes, so you keep your savings. On top of that, UHC offers a Veteran Grant that does not have to be repaid. Stack those and a veteran family in Clearfield or Roy can buy with very little cash at closing. I walk through exactly how these fit together on the Utah Housing + VA loan page.
Davis and Weber County figures verified August 2026 from utahhousingcorp.org/lenders/limits/. Limits change periodically; confirm on the UHC limits page. Related: Salt Lake County DPA · DPA + VA loan · UHC grants.
Common questions
What is the income limit for Utah Housing in Davis and Weber County?
Davis and Weber County (along with Morgan, Summit, and Wasatch) share a FirstHome income limit of $141,400 for a 1-2 person household and $164,600 for a household of 3 or more, verified August 2026.
What is the maximum home price for Utah Housing in Davis and Weber County?
The maximum acquisition price across Davis and Weber County is $778,500 as of August 2026, the highest of the standard Wasatch Front tiers. That covers nearly all first-time and move-up purchases in Layton, Ogden, and the surrounding cities.
Can veterans near Hill Air Force Base combine a VA loan with Utah Housing DPA?
Yes. A VA first mortgage pairs with Utah Housing, so the DPA second can cover the closing costs a zero-down VA buyer still owes. Utah Housing also offers a separate Veteran Grant. Together they let many veteran families buy with very little cash at closing.
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