Weber County Down Payment Assistance 2026
First time home buyer programs in Ogden, Roy, and throughout Weber County — up to $90,000+ in combined assistance
Free eligibility quiz • No SSN required • Results in 5 minutes
Weber County at a Glance
Weber County 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 Weber County Down Payment Assistance
Weber County down payment assistance programs help first time home buyers access some of Utah's most affordable housing. Ogden offers exceptional programs including Own in Ogden ($20,000) and Ogden City Homes ($50,000 financing), while all Weber County cities qualify for statewide FHLB HELP and UHC programs.
Weber County DPA Program Highlights
- Own in Ogden: $10,000-$20,000 DPA for Ogden city purchases
- Ogden City Homes: City-renovated homes with $50,000 financing at 1%
- FHLB HELP Program: $20,000 forgivable grant (all Weber County)
- Weber County median prices ($450,000) are 20%+ lower than Salt Lake County
Need Local Help?
Our team specializes in Weber County DPA programs. We're located in Clearfield and serve all of Weber County.
DPA Programs Available in Weber County
6+ down payment assistance programs serve Weber County 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 Weber County 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 Weber County within program purchase price limits.
Close & Move In
Complete the loan process and receive your down payment assistance at closing.
Weber County Down Payment Assistance FAQ
What down payment assistance is available in Weber County in 2026?
Weber County first time buyers can access: FHLB HELP Program ($20,000 forgivable grant, available countywide), Own in Ogden ($10,000-$20,000 for Ogden purchases), Ogden City Homes ($50,000 financing on city-renovated homes), Community Lending ($4,500 incentive in designated areas), and UHC programs ($27,500). Combined, Ogden buyers can access $90,000+.
What first time buyer programs are available in Weber County?
First time buyers throughout Weber County qualify for the FHLB HELP Program ($20,000 forgivable after 5 years) and UHC FirstHome Loan with up to $27,500 DPA. Buyers in Ogden city limits also qualify for Own in Ogden and Ogden City Homes. Roy, South Ogden, and North Ogden buyers can use FHLB HELP and UHC programs.
Do I have to buy in Ogden city to get Weber County programs?
Own in Ogden and Ogden City Homes require the property to be within Ogden city limits. However, the FHLB HELP Program ($20,000) and all UHC programs are available for purchases anywhere in Weber County including Roy, South Ogden, North Ogden, Pleasant View, and Riverdale.
What are the income limits for Weber County down payment assistance?
Most Weber County programs use 80% AMI limits (approximately $96,400 for a family of 4 in 2026). UHC programs have higher limits up to $162,500. Community Lending has NO income limits in designated areas. Take our free quiz to see which programs you qualify for.
Why is Weber County good for first time home buyers?
Weber County offers the most affordable housing along the Wasatch Front (median $450,000 vs $550,000+ in Salt Lake County) plus uniquely generous local programs like Own in Ogden. Many first time buyers can purchase with minimal cash out of pocket by stacking available programs.