Cornerstone Home Lending

Your Local Ogden Mortgage Experts

We help families in Ogden and across Weber County secure the best home loans, lowest rates, and down payment assistance.

Buying a Home in Ogden

Ogden is experiencing a renaissance — a vibrant downtown, world-class outdoor access, and some of the most generous DPA programs in Utah. The Own in Ogden program offers up to $20,000 for police, firefighters, and teachers, making it one of the best cities in the state for first-time buyers.

Whether you're a first-time homebuyer looking to put down roots or a current resident looking to upgrade or refinance, The Tim Hawkes Team is your dedicated local mortgage partner. Because we're based right here in Weber County, we understand the local real estate market better than national online lenders. We know exactly which down payment assistance programs are available for Ogden properties, and we work closely with the best local Realtors to get your offers accepted.

Down Payment Assistance in Ogden

Ogden home buyers may qualify for multiple assistance programs that can be stacked together. Here are the programs available for Weber County properties:

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Own in Ogden

$10,000–$20,000

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Ogden City Homes

$50,000 financing

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FHLB HELP

$20,000 forgivable

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UHC FirstHome

$27,500

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Stack Your Assistance

Ogden buyers can combine multiple programs. Currently available programs total up to $107,500 in assistance. When all programs are open, total potential assistance reaches up to $107,500.

Check your eligibility now →

Popular Loan Programs in Ogden

From zero-down VA and USDA loans to low-down-payment FHA options, we'll match you with the best program for your situation.

VA Loans

Zero down payment for eligible veterans. Perfect for military families relocating to Hill AFB.

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FHA Loans

Only 3.5% down with flexible credit requirements. Ideal for many first-time buyers in Ogden.

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USDA Loans

Zero down payment for eligible suburban and rural areas. Let us check if your Ogden address qualifies.

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Frequently Asked Questions About Buying in Ogden

Get answers to common questions about home buying, down payment assistance, and mortgage options in Ogden, Utah.

How much down payment assistance is available in Ogden?
Ogden has some of the most generous DPA in Utah. Buyers can stack Own in Ogden ($10,000–$20,000), Ogden City Homes ($50,000 financing at 1%), FHLB HELP ($20,000 forgivable), and UHC programs ($27,500) for potentially $100,000+ in combined assistance.
What are the income limits for Ogden home buyers?
Most Ogden programs use 80% AMI limits (about $96,400 for a family of 4 in Weber County). Own in Ogden has a max purchase price of $430,000 for existing homes or $467,000 for new construction. UHC programs have higher income limits.
Why should I choose a local lender in Ogden?
Ogden’s DPA landscape is uniquely complex with city-specific programs like Own in Ogden and Ogden City Homes that national lenders often don’t know about. Our team has helped hundreds of Ogden buyers navigate and stack these programs for maximum savings.

Ready to Buy in Ogden?

Get pre-approved in minutes. We'll help you find the right loan, maximize your down payment assistance, and close on your new Ogden home.

Start Your Application(801) 820-7620

Local Weber County Experts

National lenders don't understand the Utah market. We do. Get a quote from a local expert who cares about your family's financial future.

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Call your Ogden loan officer

(801) 820-7620

Quick Ogden Stats

  • CountyWeber County
  • Population87,000+
  • Median Price$400,000
  • DPA AvailableUp to $107,500

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