Davis County’s homeownership assistance loan can provide up to $50,000 to income-qualified buyers, but the county says 2026 funds are exhausted and applications reopen July 1, 2027. Here’s how the program works and how to plan around it.
Davis County runs its own homeownership assistance loan for income-qualified buyers purchasing in the county. It can provide up to $50,000, carries 1% interest with no monthly payments, and is repaid when you sell or refinance for a reason the county doesn’t allow. As of November 7, 2026, the county’s program page says: “The 2026 program funds have been exhausted. Applications will re-open on July 1, 2027.”
Everything below comes from Davis County Community and Economic Development’s program page, checked on November 7, 2026. The county’s guidelines and its current page control. Check the page again before you plan a purchase around this program, because funding status and income limits change.
Current status: closed until the county reopens it
The county says 2026 funds are exhausted and that applications will re-open on July 1, 2027. Until then, this program isn’t available for a purchase. The county also says assistance is handed out on a first come, first qualified basis, so reopening doesn’t guarantee funds will be there for any particular buyer.
If you want to buy before the county reopens, plan on other options, like Utah Housing’s statewide programs (covered below). If you’re aiming to use the county loan, your timing has to match the county’s schedule.
How the Davis County loan works
Amount: up to $50,000.
Uses: any combination of principal reduction, a permanent interest rate buydown (up to $10,000), and up to 50% of the required down payment and closing costs.
Terms: a loan, not a grant. The county says it carries a 1% interest rate and no monthly payments.
Repayment: the loan and accrued interest come due when the home is sold or refinanced for an ineligible reason. The county says it is not forgivable.
Ineligible refinance: the county defines this as a rate-and-term refinance that doesn’t lower the monthly payment or interest rate, or a cash-out refinance that isn’t expressly for approved home repairs.
How the county sizes the loan
This part is unusual. The county says the loan amount is based on what it takes to bring your front-end debt-to-income ratio (your full housing payment, PITI, divided by gross monthly income) down to 35%, up to the $50,000 cap.
Hypothetical example (illustration only): say your household’s gross income is $7,000 a month and the full payment on the home you want is $2,800. That’s a 40% front-end ratio. To reach 35%, the payment would need to be about $2,450. The county would look at how much principal reduction, rate buydown and down payment help, within its limits, closes that gap. The real amount depends on your actual payment, rate, taxes and insurance, and on the county’s review.
Who qualifies
Income: household income has to be at or under the county’s thresholds (table below).
Debt limits: the county says applicants must meet certain debt restrictions in its policies and procedures.
First-time buyer: not required. The county says the program is open to income-qualified buyers who meet its debt restrictions.
Location: the home has to be in Davis County. If you’re looking near a county line, like Hill AFB, confirm the address with the county.
Credit: the county says it doesn’t pull credit for the assistance application. Your first mortgage lender will still review your credit.
2026 income thresholds (from the county’s page)
1 person: $66,050
2 persons: $75,450
3 persons: $84,900
4 persons: $94,300
5 persons: $101,850
6 persons: $109,400
7 persons: $116,950
8 persons: $124,500
How you apply
The county says applications go through an online platform called Neighborly, where you select “Davis Homeownership Program.” To apply, you need a fully executed real estate purchase contract (REPC) and a preapproval letter from a lender. The county doesn’t keep an approved-lender list; it says lenders don’t need to go through an approval process. Because you apply with a signed contract, read the county’s guidelines before you write an offer, and talk to your agent and lender about how your contract timelines work with the county’s review.
Stacking with Utah’s statewide assistance
The county says its program can be combined with the State of Utah’s down payment assistance, and that combined, buyers can receive up to $70,000 toward a home in Davis County. Each program has its own rules, and both have to approve. For the statewide side, see Utah Housing Loans and Down Payment Assistance. For how deferred loans like this one compare with grants, read Down Payment Assistance: Grants vs Forgivable, Deferred and Repayable Seconds.
Planning around the July 1, 2027 reopening
Check your household income against the county table, and recheck when the county posts new thresholds.
Get a full preapproval, since the county requires one with your application.
Compare your plan with and without the county loan, using How to Compare Down Payment Assistance Programs.
Know your cash to close either way. See How Much Money Do You Actually Need to Buy a House?.
Confirm the county’s current status on its page before you sign a contract that depends on the program.
FAQ
Is the Davis County program a grant?
No. The county describes it as a loan at 1% interest with no monthly payments, repaid when you sell or refinance for an ineligible reason.
Can I apply right now?
Not as of November 7, 2026. The county says 2026 funds are exhausted and applications reopen July 1, 2027.
Do I have to be a first-time buyer?
No. The county says it’s open to income-qualified buyers who meet its debt restrictions.
Does my lender have to be approved by the county?
The county says it doesn’t require lenders to go through an approval process for this program.
Next step
If you’re thinking about buying in Davis County, reach out and we can go over your income, payment and timeline, then compare your options with and without county help. Whether you qualify, and whether funds are available, is decided by Davis County under its own rules. Davis County cities on this site include Bountiful and south Davis, Kaysville, and Clinton and West Point.
Sources
Sources checked November 7, 2026. Jimmy Hobson, NMLS #1514540, UMortgage, powered by NEXA Lending (NMLS #1660690). This article is general education. Davis County administers this program and decides eligibility and funding; this article is not affiliated with or endorsed by Davis County. It is not a loan approval or a commitment to lend, and program terms, limits and funding can change without notice. Please don’t send your Social Security number or personal documents through the contact form or email; we’ll set up a secure way to share them if you move forward.
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