Own in Ogden - Down Payment Assistance Program

Application Information

*There are forms in this package the buyer, seller, and lender will need to sign and/or obtain a notary witness.  Some signatures cannot be done online.  Print, sign, and scan these forms before starting an application.

Additional print forms for application*             Own In Ogden Program Application.  

Spanish: Aplicacion - Espanol.  

Program Overview

Own in Ogden provides down payment assistance to help homebuyers purchase a primary residence in Ogden City. Assistance is offered as a 0% interest, deferred-payment loan.

The loan is repaid when:

• The home is sold
• The mortgage is refinanced
• The home is no longer the borrower's primary residence

At that time, the full loan amount becomes due.

Full Program Guidelines

Loan Amount

Eligible  homebuyers may qualify for:

• $10,000 - Homebuyers purchasing a home in Ogden as their primary residence.
• $15,000 - State-certified K-12 classroom teachers or administrators in schools which serve Ogden City students. Ogden City employees purchasing a primary residence within Ogden. (Not available to those already owning homes in Ogden).
• $20,000 - Ogden City sworn Police Officers and Ogden City Firefighters purchasing a primary residence within Ogden City. 

Purchase Price Limits

As of September 1, 2024:

• Existing homes: up to $430,000.00
• New Construction homes: up to $467,000.00

Eligibility Requirements

To qualify, applicants must meet the following:

• Households cannot exceed 80% of the area median income (AMI). See chart below.  
• Borrowers must live in the home as their primary residence. Nonoccupant borrowers are not eligible for the Own in Ogden program.
• Borrower(s) must provide at least $500 toward the purchase.  
• Borrower(s) cannot receive funds back at closing ($0.00).
• Borrower(s) must complete and provide a certificate of a HUD-certified Home Buyer Education Course.

Qualifying Income numbers effective 06/01/2025.  Numbers update annually in June.