Own in Ogden offers 0% deferred loans of $10,000 to $20,000 for homes inside Ogden City, but the city says it’s paused until an expected January 1, 2027 reopening. Here are the rules, and what Weber County buyers can use statewide.
Own in Ogden is Ogden City’s down payment assistance loan for homes inside Ogden City limits. It’s a 0% interest, deferred-payment loan, generally $10,000, with larger amounts for some teachers, city employees, police officers and firefighters. As of November 7, 2026, Ogden City says the program is on a brief pause, applications are closed, and it expects to reopen January 1, 2027.
The details below come from Ogden City’s Own in Ogden page and the city’s program FAQ, checked November 7, 2026. The city’s current guidelines control.
Current status
Ogden City’s page says: “The Own In Ogden Program is on a brief pause and is expecting to reopen January 1, 2027. Applications are closed.” The city also says funds are first come, first served and limited. An expected reopening date isn’t a promise of available funds, so check the page before you plan around it.
How Own in Ogden works
Type: a 0% interest, deferred-payment loan for down payment or closing costs.
Repayment: the full amount is due when the home is sold, the mortgage is refinanced, or the home is no longer your primary residence.
Amounts: $10,000 for homebuyers buying a primary residence in Ogden. $15,000 for state-certified K-12 classroom teachers or administrators in schools serving Ogden City students, and for Ogden City employees (not available to those already owning homes in Ogden). $20,000 for Ogden City sworn police officers and firefighters.
Purchase price limits (as of September 1, 2024, per the city): up to $430,000 for existing homes and $467,000 for new construction.
Who qualifies
Income: household income can’t exceed 80% of area median income. The city’s chart, effective June 1, 2026, is below.
Occupancy: you must live in the home as your primary residence. Non-occupant co-borrowers aren’t eligible.
Your money in: at least $500 toward the purchase, and you can’t get cash back at closing.
Education: a certificate from a HUD-certified homebuyer education course.
Location: the city’s FAQ says the home must have an Ogden City address, and the program page has a map to check boundaries. An Ogden mailing address and Ogden City limits aren’t always the same thing, so check the specific property.
Own in Ogden income limits (effective June 1, 2026)
1 person: $66,050
2: $75,450
3: $84,900
4: $94,300
5: $101,850
6: $109,400
7: $116,950
8: $124,500
The city says these update annually in June.
Buying elsewhere in Weber County
Own in Ogden only covers homes inside Ogden City. For the rest of Weber County, the statewide option is Utah Housing Corporation. UHC’s limits page showed these FirstHome limits for Davis, Morgan, Summit, Wasatch and Weber counties when checked November 7, 2026: household income of $141,400 (family of 1–2) or $164,600 (family of 3+), and a maximum acquisition cost of $778,500. The page didn’t show an effective date, so confirm the current figures with a UHC participating lender.
For how UHC’s loans and down payment programs work, see Utah Housing Loans and Down Payment Assistance. If you’re looking on the Davis County side of Hill AFB, see Davis County Homeownership Assistance for that program’s current status.
Is a deferred loan a good deal?
A 0% deferred loan can lower what you need at closing, but the full amount comes due when you sell, refinance or move out. Factor that into your plans if you might refinance soon. How to Compare Down Payment Assistance Programs walks through the comparison.
FAQ
Is Own in Ogden only for first-time buyers?
Ogden City’s 2025 funding announcement said the funds are not just for first-time homebuyers. The $15,000 employee amount isn’t available to those who already own homes in Ogden. Check the current guidelines.
Can I use Own in Ogden in Roy, Riverdale or other Weber County cities?
No. The city says the home must have an Ogden City address inside city boundaries.
Can I apply now?
Not as of November 7, 2026. The city says applications are closed and it expects to reopen January 1, 2027.
Next step
If you’re looking in Ogden or Weber County, reach out and we’ll compare your options for the specific address. Eligibility and funding are decided by Ogden City and Utah Housing under their own rules. Own in Ogden is limited to homes with an Ogden city address; it is not available in West Haven. See Buying a Home in West Haven for that market.
Sources
Sources checked November 7, 2026. Jimmy Hobson, NMLS #1514540, UMortgage, powered by NEXA Lending (NMLS #1660690). This article is general education. It is not affiliated with or endorsed by Ogden City, Weber County or Utah Housing Corporation. It is not a loan approval or a commitment to lend, and program terms, limits and funding can change without notice. Please don’t send your Social Security number or personal documents through the contact form or email; we’ll set up a secure way to share them if you move forward.
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