Own in Ogden & First Time Home Buyer Programs 2026
Own in Ogden offers $10,000-$20,000 down payment assistance — teachers get $15k, police & firefighters get $20k
Free eligibility quiz • No SSN required • Results in 5 minutes
Ogden at a Glance
Ogden Down Payment Assistance Programs at a Glance
Ogden City Homes
AvailableOwn in Ogden
AvailableUHC DPA Second Mortgage (Traditional)
AvailableUHC DPA Second Mortgage (Deferred)
AvailableUHC Utah Veteran Grant
LimitedUHC Law Enforcement / Correctional Officer Assistance
PausedAbout Ogden Down Payment Assistance
Own in Ogden is Ogden's premier first time home buyer program, offering $10,000-$20,000 in 0% interest deferred loans for down payment and closing costs. Teachers get $15,000, police and firefighters get $20,000. Combined with Ogden City Homes ($50,000 financing) and FHLB HELP ($20,000 forgivable), Ogden first time buyers can access $90,000+ in total assistance — more than almost any Utah city.
Ogden DPA Program Highlights
- Own in Ogden: $10,000-$20,000 deferred loan (more for teachers, first responders)
- Ogden City Homes: City-renovated homes with up to $50,000 financing at 1% interest
- FHLB HELP Program: Additional $20,000 forgivable grant
- Community Lending: $4,500 incentive in designated areas (no income limits!)
Need Local Help?
Our team specializes in Weber County DPA programs. We're located in Clearfield and serve all of Ogden.
DPA Programs Available in Ogden
6+ down payment assistance programs serve Ogden homebuyers
Ogden City Homes
deferred loanUNIQUE PROGRAM: Ogden City builds/renovates affordable homes and sells them WITH financing assistance. Up to $50,000 city carry-back second mortgage (1% min interest, 30-year term) + up to $3,000 closing cost assistance. Occupancy required: 5 years (<$15K), 10 years ($15K-$40K), or 15 years (>$40K). Can combine with Own in Ogden for additional $10K!
Own in Ogden
deferred loanOwn in Ogden is Ogden City's down payment assistance program providing 0% interest, deferred-payment loans to help buyers purchase a home in Ogden. Loan amounts: $10,000 for general homebuyers, $15,000 for K-12 teachers/administrators in Ogden schools or Ogden City employees, $20,000 for sworn Ogden Police Officers & Firefighters. Not just for first-time buyers! Any home in Ogden is eligible, including new construction. Max price: $430K (existing) or $467K (new). Repaid only when you sell, refinance, or move out.
UHC DPA Second Mortgage (Traditional)
second mortgageBorrow up to 6% of first mortgage loan (max $27,500) for down payment and closing costs. 30-year fixed rate, 1% higher than first mortgage (max 8%). Monthly payment required. Must be combined with UHC first mortgage (FirstHome, FHA/VA, or HFA Advantage).
UHC DPA Second Mortgage (Deferred)
deferred loanBorrow up to 3.5% of first mortgage loan (max $27,500) for down payment and closing costs. 30-year fixed at 3.5% deferred simple interest. NO MONTHLY PAYMENT required. Principal + deferred interest due on sale, refinance, or maturity. Must combine with UHC first mortgage.
UHC Utah Veteran Grant
grantTRUE GRANT - $2,500 cash at closing, NO REPAYMENT REQUIRED. For veterans or active military who separated within last 5 years AND are first-time Utah homebuyers. Limited funds available (79 remaining as of Jan 2026). Can combine with any UHC loan program.
UHC Law Enforcement / Correctional Officer Assistance
grantSpecial assistance for Utah Law Enforcement Officers and Correctional Officers who are first-time homebuyers. FUNDS CURRENTLY DEPLETED - Waiting list implemented. See UHC website for waiting list instructions.
How to Apply for Ogden Down Payment Assistance
Check Eligibility
Take our free 5-minute quiz to see which Weber County programs you qualify for.
Get Pre-Approved
Work with a participating lender to get pre-approved for a mortgage and DPA programs.
Find Your Home
Shop for a home in Ogden within program purchase price limits.
Close & Move In
Complete the loan process and receive your down payment assistance at closing.
Ogden Down Payment Assistance FAQ
What is the Ogden first time home buyer program?
Own in Ogden is Ogden's primary first time home buyer program, providing 0% interest deferred loans for down payment and closing costs. Loan amounts: $10,000 for general buyers, $15,000 for K-12 teachers and Ogden City employees, $20,000 for Ogden police officers and firefighters. The loan is repaid only when you sell, refinance, or no longer use the home as your primary residence.
What is the Own in Ogden program?
Own in Ogden provides 0% interest, deferred-payment down payment assistance to home buyers purchasing within Ogden city limits. General eligible buyers: $10,000. K-12 teachers/administrators in Ogden schools + Ogden City employees: $15,000. Sworn Ogden police officers and firefighters: $20,000. Home price limits: $430,000 (existing) or $467,000 (new construction).
Who qualifies for Own in Ogden down payment assistance?
To qualify for Own in Ogden: (1) Purchase a home within Ogden city limits, (2) Meet income limits (80% AMI), (3) Use the home as your primary residence, (4) Home price under $430,000 (existing) or $467,000 (new construction), (5) Contribute minimum $500 of your own funds. First-time buyers AND repeat buyers may qualify.
How much down payment assistance can I get in Ogden?
Ogden first time buyers can potentially stack: Own in Ogden ($10,000-$20,000) + FHLB HELP ($20,000 forgivable) + Ogden City Homes ($50,000 city financing) + UHC programs ($27,500) = up to $90,000+ in combined assistance. This is more than almost any other Utah city offers.
What is the Ogden City Homes program?
Ogden City Homes is a unique program where Ogden City builds and renovates affordable homes, then sells them with up to $50,000 in city financing (1% interest, 30-year term) plus $3,000 closing cost assistance. This can be combined with Own in Ogden for even more savings. Browse available homes at ogdencityhomes.com.
Can I combine Own in Ogden with other programs?
Yes! Own in Ogden stacks with multiple programs. Example: Own in Ogden ($15,000 for teachers) + FHLB HELP ($20,000) + UHC DPA ($15,000) = $50,000 in assistance. On Ogden City Homes properties, add another $50,000+ in city financing for $100,000+ total assistance.