Home Sweet Ogden

Ogden
Ogden City provides up to $5,000 toward down payment and closing costs for participants purchasing an ACA rehabbed or new historic home in Ogden. ACA homes are HUD repossessions—homes acquired and completely remodeled by Ogden or new homes built in Ogden's older neighborhoods, consistent with historic styles. Certified police officers, fire fighters, EMTs, and Ogden School District teachers are given a five day preference to make offers on homes before the general public.

Qualifications:

• 115% or 80% or less AMI
  (see Area Median Income Levels) depending on home.

Requirements:

• Complete homebuyer education course.
• Contribute minimum $500 to down payment and closing costs.
• Occupy home for at least 3 years.

Contact:

Ogden City Community & Economic Development
2549 Washington Blvd., Ste. 120
Ogden, UT 84401
(801) 629-8940
(801) 629-8996 (fax)
www.ogdencity.com/en/community/neighborhood-dev.aspx

Own in Ogden

Ogden
Ogden City provides up to $3,000 in 0% interest, deferred payment loans for participants purchasing homes in targeted areas of Ogden or $5,000 for specified areas (see map). Funds may be used for down payment or closing costs, or toward the principal mortgage balance. The amount received is dependent on the location of the home. Ogden City police officers and firefighters are eligible for up to $10,000. Loans are forgiven at 10% each year over 4 years, then the remaining 60% credited after 5 years of residency.

Qualifications:

• 80% or less AMI (see Area Median Income Levels).
• Qualify for mortgage through FHA, VA, or conventional lender.
• Expense to income ratio does not exceed 45%.

Requirements:

• Complete home buyer education course.
• Contribute minimum $500 to purchase of home.
• Purchase price cannot exceed $263,388 for single-family home.
• Occupy home for at least 5 years.

Contact:

Ogden City Community & Economic Development
Attn.: Cheryl Hurley
2549 Washington Blvd., Ste. 120
Ogden, Utah 84401-1333
(801) 629-8906
(801) 629-8996 (fax)
cherylhurley@ogdencity.com
www.ogdencity.com/en/community/neighborhood_dev.aspx

Down Payment Assistance Program

Weber County
The Weber County Housing Authority provides up to $5,000 in down payment assistance to first-time home buyers purchasing a home in Weber County, excluding Ogden.

Qualifications:

• Meet income requirements listed below.
• Have not owned a home within last 3 years.

Requirements:

• Complete home buyer education course.
• Purchase price of home cannot exceed $180,000.
• Home must be previously occupied (not newly constructed).

Contact:

Weber County Housing Authority
Attn: Landon Halvorson
237 26th St., Ste. E220
Ogden, UT 84401
(801) 635-8692

Own in Ogden

Ogden
Ogden City provides up to $3,000 in 0% interest, deferred payment loans for participants purchasing homes in targeted areas of Ogden or $5,000 for specified areas (see map). Funds may be used for down payment or closing costs, or toward the principal mortgage balance. The amount received is dependent on the location of the home. Ogden City police officers and firefighters are eligible for up to $10,000. Loans are forgiven at 10% each year over 4 years, then the remaining 60% credited after 5 years of residency.

Qualifications:

• 80% or less AMI (see Area Median Income Levels).
• Qualify for mortgage through FHA, VA, or conventional lender.
• Expense to income ratio does not exceed 45%.

Requirements:

• Complete home buyer education course.
• Contribute minimum $500 to purchase of home.
• Purchase price cannot exceed $263,388 for single-family home.
• Occupy home for at least 5 years.

Contact:

Ogden City Community & Economic Development
Attn.: Cheryl Hurley
2549 Washington Blvd., Ste. 120
Ogden, Utah 84401-1333
(801) 629-8906
(801) 629-8996 (fax)
cherylhurley@ogdencity.com
www.ogdencity.com/en/community/neighborhood_dev.aspx

Clearfield Down Payment Assistance Program

Clearfield
The Davis Community Housing Authority and Clearfield City grant up to $5,000 in down payment assistance to first-time home buyers purchasing a home in Clearfield. Funds are a 3 to 1 match based on the amount provided by the buyer.

Qualifications:

• 80% or less AMI (see Area Median Income Levels).
• Have not owned a home within last 3 years.
• Qualify for mortgage through EHA, VA, or conventional requirements.

Requirements:

• Complete HUD-approved homebuyer education course.
• Contribute a minimum of $500 to down payment or closing costs.
• Occupy home for at least 7 years.
• Purchase price cannot exceed $397,500.

Contact:

Davis Community Housing Authority
Attn.: Mary Swanstrom
352 S. 200 West, Ste. 1
P.O. Box 328
Farmington, UT 84025
(801) 939-9198
(801) 451-6484 (fax)
www.daviscommunityhousing.com