Funds AvailableOgdenDeferred Loan
Own in Ogden
Ogden City Community Development
$20,000
Maximum Assistance
80%
AMI Income Limit
Program Summary
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.
Eligibility Requirements
Location
Property must be in Ogden
Buyer Type
Open to all buyers (first-time and repeat)
Income Limit
Household income must not exceed 80% AMI for Weber County:
| Household | 80% AMI Limit |
|---|---|
| 1 person | $67,500 |
| 2 people | $77,150 |
| 3 people | $86,800 |
| 4 people | $96,400 |
Showing sizes 1-4. See all household sizes
Weber County • FY 2025 HUD Income Limits
Primary Residence
Must be your primary residence (not investment property)
Buyer Contribution
You must contribute at least $500 of your own funds
Homebuyer Education
Completion of a HUD-approved homebuyer education course is required
How to Apply
- 1Check eligibility on Ogden City website or call 801-629-8940.
- 2Get pre-approved with a mortgage lender.
- 3Complete a HUD-certified homebuyer education course.
- 4Find a home in Ogden (any home qualifies, including new construction!).
- 5Submit the Own in Ogden application online (link below).
- 6Complete city safety inspection.
- 7Receive funds at closing for down payment, closing costs, or principal reduction.
Required Documents
- 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