Funds AvailableOgdenDeferred Loan

Ogden City Homes

Ogden City Community Development Division

$50,000

Maximum Assistance

80%

AMI Income Limit

Program Summary

UNIQUE PROGRAM: Ogden City builds/renovates affordable homes and sells them WITH financing assistance. Up to $50,000 city carry-back second mortgage (1% min interest, 30-year term) + up to $3,000 closing cost assistance. Occupancy required: 5 years (<$15K), 10 years ($15K-$40K), or 15 years (>$40K). Can combine with Own in Ogden for additional $10K!

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% of Area Median Income (AMI) for your county and household size.

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

1) Browse available homes at ogdencityhomes.com. 2) Submit offer to purchase (full listing price only) with Ogden City Homes Application Packet. 3) If multiple offers on day 1, lottery held. 4) Complete HUD-approved homebuyer education (USU Extension or equivalent). 5) Obtain purchase financing from traditional lender. 6) City financing provided at closing.

Required Documents

Ogden City Homes Application Packet
Income verification for household (all members 18+)
HUD-approved homebuyer education certificate (USU Extension or equivalent)
Proof of $500 minimum contribution
Purchase financing pre-qualification

Contact Information

801-629-8940 | homes@ogdencity.gov | ogdencityhomes.com

Official Website

Last verified: 2026-01-14

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