Clinton Home LoansFor Hill AFB Families & First-Time Buyers
Clinton is a natural fit for Hill Air Force Base families and first-time buyers alike. Get a clear plan for your VA benefit, or for buying with little down, before you start touring homes.
- VA loan specialists
- First-time buyer programs
- Close to our Layton office
Can I use a VA loan to buy a home in Clinton?
Yes. Eligible veterans and active-duty service members can buy in Clinton with a VA loan: $0 down, no monthly mortgage insurance and no loan limit with full entitlement. The home must be your primary residence. Clinton is in Davis County, where the 2026 FHA limit is $744,050.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
Close to base and close to home in 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. Its neighborhoods are mostly single-family homes, with parks and schools spread throughout.
Military moves run on tight timelines. We coordinate your pre-approval, appraisal and closing around your report date, and explain the VA funding fee and any exemption up front so there are no surprises at the closing table.
Clinton at a glance
| Detail | Clinton |
|---|---|
| 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 Clinton buyers use most
VA loans lead the way here, with FHA, conventional and assistance programs close behind.
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 Clinton
- Request your VA Certificate of Eligibility early; we can usually pull it online in minutes.
- Looking at Clinton, Clearfield and West Point at once? One pre-approval covers all three.
- VA loans are assumable by qualified buyers, which can help when you sell if rates have risen.
- Veterans receiving VA disability compensation are generally exempt from the VA funding fee. Have your award letter handy so we can confirm.
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 Clinton 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 Clinton
South 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 moreSyracuse
Syracuse is one of Davis County's fastest-growing cities, with new subdivisions, larger homes and the gateway to Antelope Island State Park.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreClinton Home Loan Questions
Yes. Utah down payment assistance programs are available statewide, including in Clinton, and can usually be paired with FHA or conventional loans. Eligibility depends on income, credit and price.
Clinton is in Davis County, where the 2026 single-family limits are $832,750 for conventional loans and $744,050 for FHA loans. VA loans have no limit for borrowers with full entitlement, and loans above $832,750 are jumbo loans.
It depends on your down payment and whether you've used your VA benefit before. For a first-use purchase with less than 5% down, it's 2.15% of the loan amount, and it can be financed into the loan. Veterans receiving VA disability compensation are generally exempt.
Yes. We're a mortgage broker based in Layton, serving Clinton and communities across Davis County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in Clinton?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.