Cornerstone Home Lending

Ogden City Down Payment Assistance

Ogden has the most generous stack of down payment assistance in Northern Utah. Police officers and firefighters can access over $105,000 in combined programs. Even general buyers can qualify for $55,000+.

Important

Own in Ogden does NOT require first-time buyer status — repeat buyers qualify too. This is rare among DPA programs in Utah.

Available Programs in Ogden City

Own in Ogden

Open

$10,000–$20,000

Deferred Loan

Ogden's flagship DPA at 0% interest: $10,000 for general buyers, $15,000 for teachers and city employees, $20,000 for police officers and firefighters. No first-time buyer requirement.

Agency: Ogden City Community Development

Repeat buyers qualify — one of the few DPA programs without a first-time buyer requirement.

Ogden City Homes

Open

Up to $50,000

Deferred Loan

Up to $50,000 in city-backed financing at 1% interest. Deferred repayment — no monthly payments. Repaid when you sell, refinance, or pay off your primary mortgage.

Agency: Ogden City

FHLB HELP Program

Open

$20,000

Forgivable Grant

A $20,000 forgivable grant from the Federal Home Loan Bank. Fully forgiven after 5 years of owner occupancy. Available throughout Weber County including Ogden.

Community Lending Incentive

Open

$4,500

Grant

A $4,500 location-based incentive for properties in designated census tracts within Ogden. No income limits — qualification is based solely on the property's location.

No income limits — ask us if your target neighborhood qualifies.

UHC FirstHome Loan

Open

Up to $27,500

Deferred Loan

Utah Housing Corporation's statewide DPA with multiple tiers. Pairs a competitive first mortgage with substantial down payment assistance.

Stack Programs for Maximum Savings

These programs can be combined on a single purchase

1Own in Ogden (police/fire)
$20,000
2Ogden City Homes
$50,000
3FHLB HELP Program
$20,000
4UHC FirstHome
$15,000
Total Potential Assistance$105,000+

Maximum stack for police officers and firefighters in Ogden. Teachers/city employees: $90,000+. General buyers: $80,000+. Add the $4,500 Community Lending Incentive if in a qualifying census tract.

Weber County Income Limits (80% AMI)

Based on 2025 HUD income limits for Weber County at 80% of Area Median Income. Own in Ogden and Community Lending have separate or no income requirements.

1 Person
$67,500
2 People
$77,150
3 People
$86,800
4 People
$96,400
5 People
$104,150
6 People
$111,850

How to Apply

1

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.

2

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.

3

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.

4

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.

5

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 teacher/first responder tiers)
  • Bank statements (most recent 2 months)
  • Proof of primary residence intent

Frequently Asked Questions

Can I really get over $100,000 in down payment assistance in Ogden?

Yes. Ogden has the strongest DPA stack in Northern Utah. A police officer or firefighter can combine Own in Ogden ($20K) + Ogden City Homes ($50K) + FHLB HELP ($20K) + UHC ($15K) for $105,000+. Even general buyers can access $80,000+ by combining available programs.

I already own a home. Can I still use Own in Ogden?

Yes. Unlike most DPA programs that require first-time buyer status, Own in Ogden is available to repeat buyers. You simply need to purchase within Ogden city limits and use the home as your primary residence.

What are the maximum purchase prices for Ogden programs?

Own in Ogden limits are $430,000 for existing homes and $467,000 for new construction. Ogden City Homes and FHLB HELP have their own guidelines. UHC limits vary by loan type and are adjusted annually.

How does the Community Lending Incentive work in Ogden?

The $4,500 Community Lending Incentive is based on the property's census tract, not your income. Many neighborhoods in Ogden qualify. We can check any address you're considering to confirm eligibility — just ask.

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.

Free eligibility review
We submit DPA applications for you
Stack multiple programs for max savings
5 programs tracked for Ogden City
Start Your Application

Questions? Call us directly

(801) 820-7620

Program Status at a Glance

Own in OgdenOpen
Ogden City HomesOpen
FHLB HELP ProgramOpen
Community Lending IncentiveOpen
UHC FirstHome LoanOpen

Not sure which programs you qualify for?

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