Own in Ogden
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