Quick answer: Weber County and Ogden have some of the strongest down payment assistance in Utah. Own in Ogden offers $10,000 to $20,000 (repeat buyers qualify), FHLB HELP adds $20,000 forgivable, and stacked programs can exceed $55,000 — over $105,000 for police, firefighters, and teachers in Ogden city limits.
Search interest for "weber county utah down payment assistance" and "ogden down payment assistance" is high, but most lenders only offer one program. Stacking is where Weber County buyers save the most.
Weber County vs. Ogden city programs
Weber County-wide: FHLB HELP ($20,000 forgivable), UHC FirstHome (up to $27,500 deferred), and the Community Lending Incentive ($4,500 in qualifying census tracts — no income limits).
Ogden city only: Own in Ogden ($10K–$20K deferred) and Ogden City Homes (up to $50,000 deferred at 1% interest). These require purchase inside Ogden city limits.
Buyers in Roy, North Ogden, South Ogden, and other Weber County cities can use county and statewide programs but not Own in Ogden unless the home is inside Ogden limits. See our Weber County DPA page and Ogden DPA page for full details.
Own in Ogden — tiered amounts (2026)
| Buyer type | Amount | Notes |
|---|---|---|
| General buyer | $10,000 | 0% deferred loan, Ogden city limits |
| Teachers / Ogden city employees | $15,000 | Employment verification required |
| Police / firefighters | $20,000 | Highest Own in Ogden tier |
Repeat buyers qualify. Own in Ogden does not require first-time buyer status — one of the few Utah DPA programs where past homeowners can still access help.
Purchase price caps: $430,000 existing homes, $467,000 new construction (Ogden city limits).
Other Weber County programs
- FHLB HELP / Welcome Home Grant: $20,000 forgivable after 5 years owner-occupied. Weber County-wide. Income at or below 80% AMI.
- Ogden City Homes: Up to $50,000 deferred at 1% interest. Ogden city limits only.
- Community Lending Incentive: $4,500 grant in designated census tracts. No income limits — location-based only.
- UHC FirstHome: Up to $27,500 deferred statewide. Must use UHC-approved lender.
Example stack: teacher buying in Ogden
- Own in Ogden (teacher tier): $15,000
- FHLB HELP: $20,000 forgivable
- UHC FirstHome: ~$15,000 deferred
- Community Lending (if census tract qualifies): $4,500
- Total assistance: $55,000+
Police and firefighters in Ogden can reach $60,000+ before adding Ogden City Homes. Layering rules vary — not every program combines with every other.
Who qualifies?
- First-time buyers: Most programs use HUD definition (no primary residence in past 3 years). Own in Ogden is the exception for repeat buyers.
- Income: Typically 80% AMI or below for FHLB HELP and UHC. Community Lending has no income cap.
- Credit: FHA often 580+; VA and conventional paths vary.
- Occupancy: Owner-occupied primary residence required.
Weber County cities we serve
Ogden, Roy, North Ogden, South Ogden, Riverdale, Washington Terrace, West Haven, Hooper, Uintah, and all Weber County addresses. Hill AFB area buyers often use VA loans stacked with Weber County DPA — see our Hill AFB VA guide.
Next steps
- Weber County DPA hub
- Ogden city DPA guide
- First-time buyer + DPA calculator
- Book a free DPA stack review — no credit pull
Educational only, not a commitment to lend. Program amounts and availability subject to change.