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Homes with Seller Financing in Farmington, Utah
Farmington sits along the east bench of Davis County, tucked between the Wasatch Mountains and the Great Salt Lake, with easy access to Station Park, Lagoon, and a Frontrunner stop that gets commuters into Salt Lake City in under 30 minutes. It's a city of well-kept subdivisions like Shepard Farms, Oakridge, and the newer construction near Glovers Lane, with a median home price that typically runs higher than the Davis County average given its proximity to the mountains and top-rated schools in the Davis School District. Seller financing shows up here for a mix of reasons: retirees who own a property outright and want steady income instead of a lump sum, owners with a low-rate assumable mortgage they can't transfer but want to structure around, or sellers moving out of state who'd rather carry a note than sit on the market during a slow stretch for buyers facing tighter lending standards.
For buyers, seller-financed homes in Farmington can mean skipping a chunk of the traditional underwriting process, negotiating directly on interest rate and down payment, and closing faster than a conventional loan allows. This matters in a city where inventory is limited and competition for move-in-ready homes near the mountain trailheads or top elementary schools can be fierce. These deals aren't common, so terms vary widely from one listing to the next. Browse the active listings below to see what's currently on the market.
July 2026 · Farmington market
Live from the Utah MLS — what's actually happening in Farmington right now.
Median sale
$627,450
12 closed in July 2026
Median DOM
14 days
listing → contract
Sale-to-list
97.8%
of final list price
Unsold inventory
90
active + pending
1 matching · page 1 of 1
Active listings
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Common questions
About seller financing homes in Farmington.
What is seller financing and how does it work in Farmington? ▾
Seller financing means the homeowner acts as the bank, carrying a private note instead of you getting a traditional mortgage. You and the seller agree on price, down payment, interest rate, and term, then sign a promissory note secured by a trust deed recorded with Davis County. Most Farmington seller-carry deals run 3-10 year terms with a balloon payment at the end.
Are seller-financed listings common in Farmington? ▾
No. At any given time Farmington usually has only a handful of true seller-financed listings on the Wasatch Front MLS, and they come and go fast. Sellers willing to carry are typically owners with significant equity, often on paid-off homes in older neighborhoods near Main Street, Farmington Junction, or along the bench above Lagoon.
What down payment should I expect a Farmington seller to require? ▾
Most sellers carrying paper on a Farmington home want 10-25% down to protect their position, though it is negotiable. With median sale prices in Farmington running in the high $600s to low $800s, that often translates to $70,000-$200,000 cash at closing. The stronger your down payment, the more leverage you have on rate and term.
What interest rates do seller-financed deals carry here? ▾
Rates are negotiated directly, but in the current market most Farmington seller-carry notes land between 6% and 8%, often a point below conventional but above what the seller would earn in a CD or treasury. Some sellers will go lower in exchange for a shorter balloon or a stronger buyer profile.
Can I refinance out of a seller-financed loan later? ▾
Yes, and most buyers plan on it. The typical structure is a 5 or 7 year balloon, giving you time to build equity, repair credit, or wait for rates to drop before refinancing into a conventional loan through a lender like Mountain America or Cyprus Credit Union. Make sure the note has no prepayment penalty before signing.
Do I still need title insurance and an appraisal? ▾
Yes on title insurance, and it is worth ordering an appraisal even though no lender requires one. A licensed title company in Davis County (Cottonwood Title and Inwest both close these regularly) will handle the trust deed recording, prorations, and escrow. Skipping title work on a private-party deal is how people end up with liens they did not know about.