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First-time home buyer programs in Woods Cross, UT

Quick answer

First-time buyers in Woods Cross, UT can use 3%-down conventional loans (up to the $832,750 Davis County conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $472,600 median home, 3% down is about $14,178 and the estimated payment is $3,598/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $115,335; value-to-income ratio 4.10. Woods Cross ranks 27 by home value and 59 by population among 66 places in our UT dataset.

What does a first-time buyer loan cost on a typical Woods Cross home?

ItemWoods Cross
Median home value (Census ACS)$472,600
Utah median home value$455,000
Down payment (3%)$14,178
Loan amount$458,422
Estimated monthly payment (PITI + MI)$3,598
Income needed (28% / 36%)$155,000 / $120,000
Davis County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Utah's 0.53% effective property tax rate (Census ACS), $1,107/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Woods Cross?

Woods Cross is in Davis County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $744,050.

The Woods Cross median home value of $472,600 is 4% above the Utah median, and within what the county limit supports.

Which down payment assistance programs can Woods Cross buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

First-time buyer loans in nearby cities

North Salt LakeBountifulCentervilleSalt Lake CityFarmingtonKaysville

First-time buyer loan FAQs for Woods Cross

On the $472,600 median: 3% conventional ≈ $14,178, 3.5% FHA ≈ $16,541, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Davis County become jumbo loans.

At the $472,600 median value (close to the Utah median of $455,000), the estimated payment of $3,598/month at 7.18% needs about $155,000 a year under the 28% housing guideline, or $120,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.