Own in Ogden Grant 2026 — $10k to $20k Down Payment Help
Ogden City Community Development
Up to
$20,000
Assistance
Deferred Loan
Area
Ogden
Buyers
First-time & repeat buyers
Income
80% AMI limit
Funding renews
July 1
What This Program Offers
Own 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.
- Stacks with Utah Housing Corporation (UHC) programs — Ogden City takes third lien position (confirmed).
Who Qualifies
Location
Buyer type
Primary residence
Education course
Your contribution
Income limits
Household income must not exceed 80% AMI for Weber County
| Household | 80% AMI Limit |
|---|---|
| 1 person | $66,050 |
| 2 people | $75,450 |
| 3 people | $84,900 |
| 4 people | $94,300 |
Showing sizes 1-4. See all household sizes
Weber County • FY 2025 HUD Income Limits
How to Apply
- 1
✅ Funds replenished July 1, 2026 — apply early as availability is first-come, first-served.
- 2
Check eligibility on Ogden City website or call 801-629-8940.
- 3
Get pre-approved with a mortgage lender.
- 4
Complete a HUD-certified homebuyer education course.
- 5
Find a home in Ogden (any home qualifies, including new construction!).
- 6
Submit the Own in Ogden application online (link below).
- 7
Complete city safety inspection.
- 8
Receive funds at closing for down payment, closing costs, or principal reduction.
Documents you'll need
- Completed Own in Ogden application (online or signed/notarized)
- Income verification (80% AMI limit applies)
- HUD-certified homebuyer education certificate
- Employment verification (for teacher/city employee/first responder bonus)
- Purchase contract for Ogden property
- Proof of $500 minimum buyer contribution
Own in Ogden FAQ
Is Own in Ogden a grant?
It is often called the Own in Ogden grant, but it is a 0% interest, deferred-payment loan from Ogden City. There is no monthly payment. You repay it only when you sell the home, refinance, or move out.
How much is the Own in Ogden grant?
$10,000 for most homebuyers. $15,000 for K-12 teachers and administrators in Ogden schools and for Ogden City employees. $20,000 for sworn Ogden police officers and firefighters.
Do I have to be a first-time buyer to use Own in Ogden?
No. Own in Ogden is open to first-time and repeat buyers, as long as the home is inside Ogden city limits and will be your primary residence.
What are the Own in Ogden income and price limits?
Household income has to be at or below 80% of area median income. The maximum purchase price is $430,000 for an existing home and $467,000 for new construction. You need to put in at least $500 of your own money.
Can I combine Own in Ogden with other down payment assistance?
Yes. Own in Ogden can be combined with Utah Housing Corporation programs. Ogden City takes third lien position behind the first mortgage and the Utah Housing second mortgage.
How do I apply for Own in Ogden?
Get pre-approved with a mortgage lender, complete a HUD-certified homebuyer education course, find a home in Ogden, and submit the Own in Ogden application to Ogden City. The city completes a safety inspection, and the funds arrive at closing. Ogden City Community Development can be reached at 801-629-8940.