About Weber County
Weber County, anchored by Ogden, offers some of Utah's most affordable housing with excellent access to outdoor recreation, dining, and culture. The area has seen significant revitalization and is popular with first-time homebuyers.
Key Facts
- Own in Ogden offers up to $25,000 (or $50,000 for teachers, first responders, healthcare workers)
- More affordable than Salt Lake or Davis County on average
- Growing tech and outdoor recreation economy
- Historic 25th Street dining and entertainment district
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
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.
Weber County Down Payment Assistance FAQ
What down payment assistance is available in Weber County?
Weber County homebuyers can access the Own in Ogden program (for properties in Ogden city limits) with up to $25,000-$50,000 depending on occupation. Statewide UHC programs are available throughout Weber County with grants up to $2,500 and second mortgages up to $27,500.
What is the Own in Ogden program?
Own in Ogden is a city-specific program offering deferred loan assistance. Standard buyers receive up to $25,000, while teachers, first responders, healthcare workers, and government employees can receive up to $50,000. The loan is forgiven after maintaining residency.
Do I have to buy in Ogden city to get the $50,000?
Yes, the Own in Ogden program requires the property to be within Ogden city limits. However, statewide UHC programs are available for purchases anywhere in Weber County including Roy, South Ogden, North Ogden, and other cities.
What are the income limits for Weber County programs?
Own in Ogden uses 80% AMI limits which vary by household size. UHC programs have limits up to $162,500 for most programs. Take our quiz to see exactly what you qualify for based on your specific situation.