Clearfield & Hill AFB Home LoansFor Military Families & First-Time Buyers
Whether you just got orders to Hill Air Force Base or you're ready to stop renting, Clearfield is one of the most practical places in Davis County to buy. We'll help you use every benefit you've earned.
- VA loan specialists
- First-time buyer programs
- Minutes from our Layton office
Can I use a VA loan to buy a home in Clearfield near Hill Air Force Base?
Yes. Eligible veterans and active-duty service members can buy in Clearfield with a VA loan, with $0 down and no monthly mortgage insurance, as long as the home will be their primary residence. Borrowers with full entitlement have no VA loan limit.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
Close to base, close to work, and a smart place to start
Clearfield borders Hill Air Force Base and is home to the Freeport Center, the former Clearfield Naval Supply Depot that's now one of the area's largest business parks. A FrontRunner stop connects it to Ogden and Salt Lake City, which makes it a natural fit for military families and commuters.
Many Clearfield buyers are purchasing their first home or using their VA benefit for the first time. We walk you through entitlement, the funding fee, down payment assistance and what happens if you get PCS orders later, so you buy with confidence instead of guesswork.
Clearfield at a glance
| Detail | Clearfield |
|---|---|
| County | Davis County |
| Area | North Davis County |
| ZIP code | 84015 |
| Public schools | Davis School District |
| Your loan officer | Kenny Farshchian, NMLS #1639863 · call or text (385) 758-5247 |
ZIP codes and school boundaries don't always follow city lines; confirm a specific address with your agent, the county or the school district.
Loans Clearfield buyers use most
Military benefits and first-time buyer programs do a lot of the heavy lifting here.
VA Loans
$0 down and no monthly mortgage insurance for eligible veterans and service members.
Learn moreFHA Loans
3.5% down with a 580+ score, up to $744,050 in Davis County.
Learn moreDown Payment Assistance
Help with your down payment or closing costs for qualifying buyers.
Learn moreConventional Loans
From 3% down for qualifying first-time buyers.
Learn moreVA IRRRL
Already have a VA loan? Lower your rate with less paperwork.
Learn moreRenovation Loans
Buy a home that needs work and finance the repairs in one loan.
Learn moreDavis County loan limits for 2026
These limits apply to single-family homes. Loans above the conforming limit are jumbo loans.
| Loan type | 2026 limit (1 unit) | What it means |
|---|---|---|
| Conventional (conforming) | $832,750 | Most homes in Davis County fit under this limit. |
| FHA | $744,050 | 3.5% down with a 580+ credit score. |
| VA | No limit with full entitlement | $0 down for eligible veterans and service members. |
| Jumbo | Above $832,750 | Higher-priced homes; stronger credit and reserves. |
Sources: FHFA 2026 conforming limits and HUD 2026 FHA limits. Limits change each January.
What to know before you buy in Clearfield
- Request your VA Certificate of Eligibility early. We can usually pull it for you online in minutes.
- Got PCS orders coming? VA loans require you to live in the home, but you may be able to keep it as a rental after you move. Ask us how that works for your situation.
- VA loans are assumable by qualified buyers, which can be a selling point if rates have risen by the time you sell.
- Utah's veteran first-time homebuyer grant and other down payment programs have limited funding windows, so check availability before you set a closing date.
- Looking at a townhome or condo? FHA and VA require the project to be approved, so we verify that before you make an offer.
Three steps to your keys
- 01
Get a real pre-approval
Share your income and assets once. We compare loan options from multiple lenders and tell you exactly what you can afford, usually within 24 to 48 hours.
- 02
Shop with confidence
Make offers in Clearfield with a pre-approval letter local agents trust, and a loan officer who answers the phone when your agent calls.
- 03
Close on time
We manage appraisal, underwriting and title, and keep you and your agent updated at every step until you get the keys.
We also serve cities near Clearfield
Clinton
Clinton is a family-focused city in northwest Davis County, west of Clearfield and Sunset and a short drive from Hill Air Force Base.
Learn moreSouth Weber
South Weber sits on the northeastern edge of Davis County along the Weber River, with Hill Air Force Base on its southwest side and quick access to US-89 and I-84.
Learn moreSunset
Sunset is one of Davis County's smallest cities, tucked between Clearfield, Clinton and Roy, minutes from Hill Air Force Base.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreClearfield Home Loan Questions
Yes. We help active-duty service members, veterans and their families buy in Clearfield, Layton, Roy, Syracuse, Clinton and Sunset. We explain your VA benefit in plain English and coordinate with your agent around your report date.
There's no VA loan limit for borrowers with full entitlement. If you already have an active VA loan, your remaining entitlement is calculated using the Davis County conforming limit of $832,750.
Often, yes. A VA loan requires you to occupy the home as your primary residence when you buy, but many service members rent the home out after they relocate. Talk with us before you buy so you can plan for it.
Many first-time buyers start in Clearfield because of its location, transit access and range of home types. FHA loans, conventional loans with 3% down and down payment assistance can all help, and we'll compare them for you.
Ready to buy in Clearfield?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.