Layton City Down Payment Assistance
Layton City Utah down payment assistance helps first-time buyers become homeowners. The Layton City first time buyers program (At Home in Layton) offers $10,000 forgivable grants. Stack with FHLB and UHC for over $45,000 in total assistance.
Available Programs in Layton City
At Home in Layton
Open$10,000
Forgivable GrantThe Layton City first time buyers program offers a $10,000 forgivable grant funded through Layton City's CDBG allocation. Live in the home for 5 years and the full amount is forgiven. Sell before 5 years and you repay a prorated amount. This is one of the most accessible Layton City Utah down payment assistance options.
Agency: Layton City CDBG · Morgan Cloward, 801-336-3770
FHLB HELP Program
Open$20,000
Forgivable GrantUp to $20,000 in forgivable assistance from the Federal Home Loan Bank of Des Moines. Funds are forgiven after 5 years of owner occupancy. Available to buyers throughout all of Davis County.
Davis County Homeownership Assistance
Opening SoonUp to $50,000
Deferred LoanA deferred loan at just 1% interest through Davis County. No monthly payments required — you repay when you sell, refinance, or pay off your first mortgage. Currently paused but expected to reopen in July 2026.
Agency: Davis County Community & Economic Development · (801) 451-3260
Program is paused — expected to reopen July 2026 with new funding.
UHC FirstHome Loan
OpenUp to $27,500
Deferred LoanThe Utah Housing Corporation offers up to $27,500 in down payment assistance paired with a competitive first mortgage. Multiple DPA tiers are available depending on loan type and credit score.
Stack Programs for Maximum Savings
These programs can be combined on a single purchase
This combination is available right now for buyers in Layton. When Davis County reopens, total potential increases to $95,000+.
Davis County Income Limits (80% AMI)
Based on 2025 HUD income limits for Davis County at 80% of Area Median Income. All household members' income counts, including non-borrowers living in the home.
How to Apply
Check Your Eligibility
We review your income, household size, and target purchase area to determine which programs you qualify for. This takes about 15 minutes.
Get Pre-Approved
We handle your mortgage pre-approval and identify the best loan structure to maximize your DPA benefits. Most programs require a pre-approval letter.
Find Your Home
Shop for a home within the program’s geographic and price limits. Your real estate agent can help you target qualifying areas.
Submit DPA Applications
We prepare and submit all DPA applications on your behalf. Since the documentation overlaps with your mortgage file, this adds minimal extra work for you.
Close on Your Home
DPA funds are applied at closing to cover your down payment and/or closing costs. You walk away with keys and potentially thousands in savings.
Required Documents
- Pre-approval letter from your lender (we handle this)
- 2024 federal income tax returns for all household members
- 2 most recent months of pay stubs for all working household members
- Accepted Real Estate Purchase Contract (REPC)
- Government-issued photo ID
- Bank statements (most recent 2 months)
Frequently Asked Questions
Can I combine the At Home in Layton grant with other programs?
Yes. The At Home in Layton grant stacks with the FHLB HELP Program and UHC FirstHome loan. Many of our Layton buyers receive $35,000–$45,000 in combined assistance. We coordinate all the applications for you.
What happens if I sell my Layton home before 5 years?
The At Home in Layton grant is prorated. If you sell after 3 years, you would repay 40% of the $10,000 ($4,000). After 5 full years, the entire amount is forgiven and you owe nothing.
Do I have to be a first-time homebuyer for every program?
The At Home in Layton grant and UHC programs require first-time buyer status (no ownership in the past 3 years). The FHLB HELP Program also typically requires first-time buyer status. However, some exceptions exist for veterans and buyers in targeted areas.
How long does the Layton DPA application take?
Once you have an accepted offer and your documents are ready, the At Home in Layton application typically takes 2–3 weeks to process. We recommend getting pre-approved first so you're ready to move quickly.
What is the Layton City first time buyers program?
The Layton City first time buyers program is called At Home in Layton. It provides a $10,000 forgivable grant to eligible first-time homebuyers purchasing within Layton city limits. The grant is fully forgiven after 5 years of owner occupancy. It stacks with FHLB HELP and UHC FirstHome for over $45,000 in combined Layton City Utah down payment assistance.
Where can I find Layton City Utah down payment assistance?
Layton City Utah down payment assistance is available through multiple sources: the At Home in Layton city program ($10,000), FHLB HELP ($20,000), Davis County ($50,000 when open), and UHC FirstHome ($27,500). The Tim Hawkes Team helps Layton buyers apply for and stack these programs at no extra cost.
We Handle Everything
The documentation for DPA programs overlaps heavily with your mortgage application. We prepare and submit all applications on your behalf — at no extra cost.
Questions? Call us directly
(801) 820-7620Program Status at a Glance
Not sure which programs you qualify for?
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