First-Time Home Buyer Programs in Ogden, Utah
Ogden has lower median home prices than Salt Lake or Utah County, plus the Own in Ogden city DPA program with three tiers: $10,000 for general buyers, $15,000 for teachers and city employees, and $20,000 for police and firefighters. Weber County CDBG/HOME funds and UHC statewide programs are separate options. Veterans near Hill AFB have a VA loan at zero down, no PMI.
Programs Available for Ogden Buyers
City, county, and state programs Ogden buyers can apply for
Own in Ogden, General
0% interest deferred loan, repaid at sale or refi. 80% AMI required. Max purchase $430K existing / $467K new construction (verify current).
Own in Ogden, Teachers / City Employees
Same 0% deferred structure, higher tier for educators and Ogden city employees
Own in Ogden, Police / Fire
Highest tier for sworn first responders. Same 0% deferred structure.
Weber County CDBG/HOME
Federal community development grants for Weber County cities (verify current funding cycle)
UHC FirstHome / FHA-VA Mortgage
FirstHome for first-time buyers (660+); FHA/VA Mortgage for repeat buyers (620+). HomeAgain currently suspended.
VA Loans (Veterans)
Ogden / Hill AFB veterans: zero down, no PMI
Why First-Time Buyers Pick Ogden
Ogden is one of the most affordable major cities on the Wasatch Front, with the same access to statewide UHC programs and growing demand from Hill AFB personnel.
*Individual DPA eligibility varies by income, credit, and program funding. Current Ogden metro pricing is shown in the Realtor.com Metro Market Data section below.
Ogden Neighborhoods & Areas
All Ogden city neighborhoods are eligible for city and Weber County programs
How to Apply
Check Eligibility
Confirm income (80% AMI), first-time buyer status, and credit score
Homebuyer Education
Complete a HUD-approved homebuyer education course
Get Pre-Approved
Work with a UHC-approved or Ogden City-approved lender
Find Your Home
Search Ogden and Weber County for homes within program price limits
Apply for DPA
Submit your city and/or county DPA application through your lender
Close on Your Home
Complete the purchase with assistance applied at closing
Living in Ogden
Neighborhoods, parks, and schools to know as you search for your first home
Featured Neighborhoods
- Historic 25th Street
Vibrant, walkable downtown corridor with restaurants, galleries, and craft breweries. Ogden's most-loved neighborhood.
- Burch Creek
East foothills neighborhood with stunning Wasatch views, established homes, and easy trail access.
- Washington Terrace
Family-friendly suburb with affordable homes, well-maintained streets, and strong community feel.
- South Ogden
Quiet residential streets, newer construction options, and proximity to good Weber District schools.
- Mount Ogden
East foothills area bordering Ogden Canyon, outdoor enthusiasts love the quick access to skiing and hiking.
Parks & Outdoor Spaces
- Ogden Canyon
Spectacular canyon gateway to Snowbasin ski resort, Nordic Valley, and miles of hiking and mountain biking trails.
- Pineview Reservoir
Boating, swimming, wakeboarding, and camping just 20 minutes from downtown, a summer staple.
- Lorin Farr Park
Ogden's largest city park with sports fields, skate park, disc golf, and family picnic areas.
- Fort Buenaventura State Park
Historic fur-trading post on the Ogden River, camping, canoe rentals, and a scenic river walk.
- Bonneville Shoreline Trail
Popular trail running along the base of the Wasatch, world-class mountain biking and hiking right from the city.
Schools & Education
- Ogden City School District
Serves Ogden proper with magnet programs, dual-language options, and expanded after-school resources.
- Weber School District
Covers suburban communities like South Ogden, Washington Terrace, and North Ogden with highly rated schools.
- Ogden High School
Beautifully renovated historic campus with CTE pathways, arts programs, and a strong alumni community.
- Bonneville High School
East Weber District school consistently rated among Utah's top high schools for academics and athletics.
- Ben Lomond High School
North Ogden school with strong community roots, athletics program, and improving academic outcomes.
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Free resource
Buying in Ogden? Take the guide with you
How Utah down payment help works, how each program gets repaid, and the ten weeks from offer to keys, in one free PDF.
- The full buying process, start to finish
- What down payment help exists in Utah, and how each one gets repaid
- FHA vs VA vs USDA vs conventional, side by side
- The mistakes that cost first-time buyers the most
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Which Own in Ogden tier do you qualify for?
Own in Ogden pays $10K, $15K, or $20K depending on your role, on prices still well below the valley average. Weber County and UHC are separate options if the city tier is not the right fit. Takes 15 minutes to figure out which one applies to you.
Official Sources
Verify current program funding, dollar amounts, and eligibility before relying on them in a transaction. Program details can change annually.