About Ogden
Ogden is Weber County's largest city and offers some of Utah's best value for homebuyers. With a revitalized downtown, excellent outdoor access, and the unique Own in Ogden program, it's increasingly popular with first-time buyers.
Key Facts
- Own in Ogden offers $25,000-$50,000 depending on occupation
- Teachers, firefighters, police, and healthcare workers get up to $50,000
- Historic 25th Street dining, shopping, and entertainment
- Direct access to Snowbasin and Powder Mountain ski resorts
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
Own in Ogden
deferred loan0% interest deferred loan: $10,000 for general buyers, $15,000 for K-12 teachers/administrators or Ogden City employees, $20,000 for Ogden Police Officers & Firefighters. Repaid when home is sold, refinanced, or no longer primary residence. Max purchase price $430K (existing) or $467K (new construction).
UHC FirstHome Loan
first mortgageUHC's lowest interest rate first mortgage for first-time homebuyers. FHA or VA financing. Requires 660 minimum credit score. Can be combined with UHC DPA Second Mortgage. Income limits: $116,100-$142,400 (1-2 person) depending on county. Max purchase price varies by county ($544,200-$772,400).
UHC FHA/VA Mortgage
first mortgageFHA or VA first mortgage for first-time OR repeat buyers. Interest rate slightly higher than FirstHome. Requires 620 minimum credit score. Allows 1-2 unit properties (can rent part of home). Income limit: $162,500 qualifying income. No purchase price limit. Can combine with UHC DPA.
UHC Freddie Mac HFA Advantage
first mortgageConventional loan program with potentially lower monthly mortgage insurance than FHA. Requires 680 minimum credit score. May have slightly higher interest rate but lower MI = lower overall payment. Income limit: $162,500. Can combine with UHC DPA. Good for buyers with strong credit.
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.
Ogden Down Payment Assistance FAQ
What is the Own in Ogden program?
Own in Ogden is a city-funded program offering deferred loan assistance for home purchases within Ogden city limits. Standard buyers receive up to $25,000, while teachers, first responders (police, fire, EMS), healthcare workers, and government employees can receive up to $50,000.
How do I qualify for the $50,000 Own in Ogden amount?
To qualify for the enhanced $50,000 amount, you must work as a teacher, firefighter, police officer, EMT/paramedic, healthcare worker, or government employee. You must also meet income limits (80% AMI) and purchase within Ogden city limits.
Can I combine Own in Ogden with other programs?
Yes! Own in Ogden can be combined with statewide UHC programs for even more assistance. This could mean $50,000 from Ogden plus up to $27,500 from UHC — potentially $77,500+ in total assistance.
What are Ogden home prices like?
Ogden offers some of Utah's best home values, with median prices around $400,000 — significantly lower than Salt Lake or Davis County. Combined with the generous Own in Ogden program, many buyers need minimal out-of-pocket funds.