Weber County Homebuyer Grants: Up to 6% Down Payment Assistance
Weber County first-time buyers can access up to 6% down payment assistance through UHC statewide programs, plus additional city-level funds for Ogden buyers. No cash down payment required with the right program stack. Covers Ogden, Roy, Riverdale, South Ogden, and all of Weber County.
Buying Your First Home in Weber County
Weber County is the most affordable major county on the Wasatch Front and the easiest place in northern Utah to actually buy a starter home with first-time buyer assistance. Median pricing here runs well below Davis, Salt Lake, and Utah counties, which means UHC's 6% down payment assistance often covers the entire down payment, and county purchase price limits rarely bind.
Three buyer profiles dominate Weber County: Ogden urbanistsdrawn to historic Eccles Avenue, the Junction district, and Weber State University's walkability; South Weber and Roy commuters who work in Davis County or Hill AFB but want Weber prices and slightly larger lots; and North Ogden / Pleasant View buyers, chasing newer construction with mountain views at the foot of Ben Lomond. The Ogden City program adds a layer on top of UHC for buyers inside Ogden city limits. Pair them and you can frequently close with under $3,000 out of pocket.
The under-the-radar advantage in Weber: USDA Rural Development eligibility extends to several outlying communitieslike Hooper, West Haven (parts), Plain City, and the county's northern fringe. A USDA loan there means $0 down with no county program needed, and the lower MIP than FHA. Worth checking address-specific eligibility before defaulting to FHA + DPA.
Available Assistance Programs
Three layers of help available in Weber County: city, county, and state. Here's what each one does.
UHC FirstHome Loan + DPA
Utah Housing Corporation FirstHome loan for first-time buyers with 6% down payment assistance. No cash reserves required.
- ✓Min 660 credit score
- ✓6% down payment assistance
- ✓Available across Weber County
- ✓Combine with local programs
UHC FHA/VA Mortgage + DPA (active alternative to HomeAgain)
UHC's active program for repeat buyers and first-time buyers who don't qualify for FirstHome. (UHC's HomeAgain program is currently Temporarily Suspended, FHA/VA Mortgage is the recommended substitute.)
- ✓Open to repeat buyers
- ✓620+ FICO minimum
- ✓Up to 6% DPA capped at $27,500
- ✓$162,500 qualifying income limit, no purchase price limit
Own in Ogden
Ogden City's tiered DPA program: $10,000 general first-time buyers, $15,000 for teachers and city employees, $20,000 for police and firefighters. 0% interest deferred loan, repaid at sale or refinance.
- ✓Ogden city limits only
- ✓$10K general / $15K teachers / $20K police+fire
- ✓0% interest, deferred at sale/refi
- ✓80% AMI income limit
CDBG / HOME Funds
Federal Community Development Block Grant and HOME Investment Partnerships funding for Weber County communities.
- ✓County-administered
- ✓Low-to-moderate income buyers
- ✓Subject to annual funding
- ✓Deferred or forgivable options
Pro tip: Most Weber County buyers get the best results stacking a UHC loan (6% DPA) with any available Ogden City funding. Learn more about UHC programs →
Own in Ogden by Occupation: $10K / $15K / $20K Tiers
Ogden is the only Utah city with role-based DPA funding tiers. The Own in Ogden program funds public-service occupations more generously than general first-time buyers, a meaningful advantage for Hill AFB-adjacent careers (military police, federal employees) and for Ogden's teachers, firefighters, and law enforcement.
| Tier | Eligible Buyers | Max Assistance |
|---|---|---|
| General | First-time buyers at 80% AMI, no occupation requirement | $10,000 |
| Educator / City Employee | Teachers, administrators, City of Ogden employees | $15,000 |
| Public Safety | Police officers, firefighters | $20,000 |
Stacking math for a teacher in Ogden
Own in Ogden educator tier ($15,000) + UHC FirstHome 6% DPA (up to $27,500 cap) = roughly $42,500 in combined assistance on a typical Weber County purchase. Both are deferred, no monthly payment on either second mortgage. For a $325,000 Ogden starter home, a teacher could close with under $3,000 out of pocket using this stack. Verify current funding windows with the City of Ogden before applying; CDBG funds are annually allocated.
Source: City of Ogden Own in Ogden Program. Maximum purchase price runs roughly $430,000 existing / $467,000 new construction; verify current limits with the city.
Eligibility Requirements
Buyer Requirements
- ✓First-time homebuyer (no ownership in past 3 years)
- ✓Income within program limits
- ✓Complete HUD-approved homebuyer education
- ✓Occupy as primary residence
- ✓Minimum 580 credit score (varies by program)
Property Requirements
- ✓Located within Weber County
- ✓Single-family home, townhome, or approved condo
- ✓Must meet HUD property standards
- ✓Pass required property inspection
- ✓Purchase price within loan limits
Loan Requirements
- ✓Obtain first mortgage from UHC-approved lender
- ✓Compatible with FHA, VA, USDA, Conventional
- ✓Stack UHC DPA with local CDBG/HOME funds
- ✓Minimum buyer contribution may apply
- ✓Total debt-to-income ratio limits apply
Income Limits (80% AMI, Ogden-Clearfield Area)
If your household is at or below 80% AMI for Weber County, you qualify. Exact numbers by household size.
*Income limits updated annually. Contact us for current program-specific limits.
Eligible Cities & Areas
UHC covers everywhere in Weber County. Own in Ogden is city-only. Verify your address before assuming.
How to Apply
Verify Eligibility
Check income limits and first-time buyer status for your city
Complete Education
Take HUD-approved homebuyer education course (online available)
Get Pre-Approved
Work with a lender familiar with UHC and Weber County programs
Find Your Home
Search Weber County communities within your price range
Apply for Assistance
Submit DPA application through your lender or Ogden City's office
Close & Move In
Complete purchase with assistance applied at closing
Exploring Weber County
Ogden-area cities, outdoor recreation, and schools, hover a pin to learn more
Featured Cities
- Ogden
County seat with outdoor culture, 25th Street dining, and a growing tech scene.
- Roy
Affordable suburban city near Hill AFB, popular with military families.
- South Ogden
East-bench community with easy canyon access and established neighborhoods.
- North Ogden
Well-regarded schools and quiet streets with stunning mountain backdrops.
- Riverdale
Commercial hub with convenient shopping and mid-county location.
- West Haven
Rapidly developing city with new construction and young families.
Parks & Outdoors
- Fort Buenaventura
Historical riverside park on the Weber River, perfect for camping and picnics.
- Ogden Botanical Gardens
Five themed gardens with year-round events and a peaceful setting.
- Pineview Reservoir
Summer recreation destination for boating, paddleboarding, and beach days.
- Mount Ogden Park
Trails and ski runs above Ogden with panoramic valley views.
- Ogden River Parkway
3.5-mile paved trail through Ogden connecting parks and neighborhoods.
Schools & Education
- Weber State University
Ogden's major public university with 29,000+ students and strong workforce programs.
- Weber High School
Comprehensive high school serving northern Weber County communities.
- Ogden High School
Historic school with IB program and performing arts emphasis.
- Bonneville High School
Academically focused school with high college-going rates.
- Fremont High School
Plain City school known for robust CTE and agriculture programs.
✦ Real Client Stories
What Our Clients Say
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Own in Ogden tiers + UHC stacking: what's your total?
Weber County buyers often qualify for UHC statewide DPA plus Ogden City local assistance at the same time. Takes about 15 minutes to see which programs fit your situation.