Sunset Home LoansFor Hill AFB Families & First-Time Buyers
Moving to Hill AFB, or ready to stop renting? Buying in Sunset is simpler when your loan officer knows military benefits inside and out.
- VA loan specialists
- First-time buyer programs
- Close to our Layton office
Can I use a VA loan to buy a home in Sunset?
Yes. Eligible veterans and active-duty service members can buy in Sunset with a VA loan: $0 down, no monthly mortgage insurance and no loan limit with full entitlement. The home must be your primary residence. Sunset 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 Sunset
Sunset is one of Davis County's smallest cities, tucked between Clearfield, Clinton and Roy, minutes from Hill Air Force Base. Its established, modestly priced homes make it a common first stop for first-time buyers and service members.
Not a veteran? Sunset also works well for first-time buyers using FHA, 3% down conventional loans or down payment assistance. We compare them side by side so you can see the cash needed and the payment for each.
Sunset at a glance
| Detail | Sunset |
|---|---|
| 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 Sunset buyers use most
These are the programs Sunset buyers ask us about most.
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 Sunset
- Older homes may need updates; a renovation loan can finance repairs along with your purchase.
- First-time buyer? FHA and down payment assistance often pair well with Sunset's price points.
- Veterans receiving VA disability compensation are generally exempt from the VA funding fee. Have your award letter handy so we can confirm.
- Down payment assistance programs have limited funding windows, so check availability before you set a closing date.
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 Sunset 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 Sunset
Syracuse
Syracuse is one of Davis County's fastest-growing cities, with new subdivisions, larger homes and the gateway to Antelope Island State Park.
Learn moreWest Point
West Point, at the northwest corner of Davis County, blends newer subdivisions with a rural, open-space feel.
Learn moreClearfield
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.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreSunset Home Loan Questions
Sunset's established homes are often more modestly priced than newer areas nearby, which makes FHA loans, 3% down conventional loans and down payment assistance good fits. We'll compare them for you.
Sunset 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.
Often, yes. With PCS orders in hand, lenders can usually count your new duty pay and close before you report, as long as you'll move in within a reasonable time, generally 60 days. We'll map out the timeline with you.
Yes. We're a mortgage broker based in Layton, serving Sunset and communities across Davis County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in Sunset?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.