Weber County Down Payment Assistance
Weber County — especially Ogden — has some of the most generous DPA programs in Utah. Public servants can receive up to $20,000 through Own in Ogden alone, and stacking programs can exceed $55,000 in total assistance.
Available Programs in Weber County
Own in Ogden
Open$10,000–$20,000
Deferred LoanA 0% interest deferred loan with tiered amounts: $10,000 for general buyers, $15,000 for teachers and city employees, and $20,000 for police officers and firefighters. Ogden city limits only.
Agency: Ogden City Community Development
This program is NOT restricted to first-time homebuyers — repeat buyers qualify too.
Ogden City Homes
OpenUp to $50,000
Deferred LoanUp to $50,000 in city financing at 1% interest for homes in Ogden. Structured as a deferred loan repaid upon sale, refinance, or payoff.
Agency: Ogden City
FHLB HELP Program
Open$20,000
Forgivable GrantUp to $20,000 in forgivable assistance available throughout Weber County. Forgiven after 5 years of owner occupancy.
Community Lending Incentive
Open$4,500
GrantA $4,500 incentive available in designated census tracts. No income limits — this is purely based on the property's location in a qualifying area.
No income limits — one of the few programs without an AMI cap.
UHC FirstHome Loan
OpenUp to $27,500
Deferred LoanStatewide DPA from the Utah Housing Corporation. Multiple tiers and loan types available.
Stack Programs for Maximum Savings
These programs can be combined on a single purchase
Example for a teacher buying in Ogden in a qualifying census tract. Police/firefighters can receive up to $60,000+. Add Ogden City Homes ($50K) for over $100,000 in total potential assistance.
Weber County Income Limits (80% AMI)
Based on 2025 HUD income limits for Weber County at 80% of Area Median Income. The Community Lending Incentive has no income limits — it is location-based only.
How to Apply
Check Your Eligibility
We review your income, household size, and target purchase area to determine which programs you qualify for. This takes about 15 minutes.
Get Pre-Approved
We handle your mortgage pre-approval and identify the best loan structure to maximize your DPA benefits. Most programs require a pre-approval letter.
Find Your Home
Shop for a home within the program’s geographic and price limits. Your real estate agent can help you target qualifying areas.
Submit DPA Applications
We prepare and submit all DPA applications on your behalf. Since the documentation overlaps with your mortgage file, this adds minimal extra work for you.
Close on Your Home
DPA funds are applied at closing to cover your down payment and/or closing costs. You walk away with keys and potentially thousands in savings.
Required Documents
- Pre-approval letter from your lender (we handle this)
- 2024 federal income tax returns for all household members
- 2 most recent months of pay stubs for all working household members
- Accepted Real Estate Purchase Contract (REPC)
- Government-issued photo ID
- Employment verification (for Own in Ogden teacher/first responder tiers)
- Bank statements (most recent 2 months)
Frequently Asked Questions
Do I have to be a first-time buyer for Own in Ogden?
No. Own in Ogden is one of the few DPA programs in Utah that does not require first-time buyer status. Whether you currently own a home or have owned in the past, you can still qualify as long as the new home is in Ogden and will be your primary residence.
How do I qualify for the higher Own in Ogden amounts?
General buyers receive $10,000. Teachers and Ogden city employees qualify for $15,000, and police officers and firefighters qualify for $20,000. You'll need to provide employment verification.
What are the purchase price limits in Weber County?
Own in Ogden caps at $430,000 for existing homes and $467,000 for new construction. UHC programs have separate statewide purchase price limits that vary by county and loan type.
Can I use these programs outside of Ogden?
Own in Ogden and Ogden City Homes are Ogden-only. However, the FHLB HELP Program, Community Lending Incentive, and UHC programs are available throughout Weber County.
We Handle Everything
The documentation for DPA programs overlaps heavily with your mortgage application. We prepare and submit all applications on your behalf — at no extra cost.
Questions? Call us directly
(801) 820-7620Program Status at a Glance
Not sure which programs you qualify for?
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