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Own in Ogden - DPA Program

Ogden, Utah

Last verified
See what you qualify forOfficial program site →
Income limit

80% AMI

Of area median income; varies by county and household size

Price cap

$467,000

Highest purchase price the program allows

Repayment

Forgivable

Forgiven after 5 years

What is Own in Ogden - DPA Program?

Own in Ogden - DPA Program is a deferred second loan for homebuyers in Ogden, Utah.

  • Own in Ogden is a place-based DPA program funded by Ogden City to encourage homeownership in target neighborhoods. Provides deferred-payment, forgivable second-mortgage DPA of up to $10,000 (higher tiers available for city employees and target census tracts). 5-year affordability period.
  • Up to $10,000 deferred-payment, forgivable second-mortgage DPA for owner-occupied homebuyers purchasing in target Ogden City neighborhoods. Higher amounts may be available for city employees or in specifically targeted census tracts. Maximum purchase price $430,000-$467,000 (varies by tier). 5-year affordability period.
  • loan forgiven if borrower remains in home.
  • Funding comes from Local, HOME, and CDBG.

Do you have to pay it back?

Own in Ogden - DPA Program is forgiven after 5 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Forgiven over 5-year affordability period and due on sale, refinance, or non-occupancy.
  • The assistance is recorded in 2nd Lien position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Own in Ogden - DPA Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: Minimum 620 FICO; 660 FICO for some tiers
  • A completed homebuyer education course, through HUD-approved homebuyer education required (NeighborWorks Salt Lake or similar).
  • Residency: Property must be in Ogden City
  • Citizenship or immigration status: Per HOME/CDBG eligible-status rules
  • Property must be located in Ogden City (specific target neighborhoods for higher tier). Household income at or below 80% AMI for Weber County ($67,500-$127,250 by household size). Purchase price at or below tiered limit ($430,000 standard / $467,000 target). Minimum 620 FICO (660 for some tiers). Minimum $1,000 borrower contribution. Must complete HUD-approved homebuyer education. 5-year affordability period.

The program excludes

  • Manufactured homes
  • Purchases above the $467,000 price cap
  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Own in Ogden - DPA Program limits household income to 80% of the area median income, which varies by county and household size.

  • Up to 80% AMI for Weber County HUD limits; $67,500 (1-person) to $127,250 (8-person household).
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Own in Ogden - DPA Program caps the purchase price at $467,000.

  • Eligible property types include Single-family detached, townhouse, condominium, PUD.
  • New construction is eligible.
  • Manufactured homes are not eligible.

Is there eligibility for specific groups?

Own in Ogden - DPA Program names veterans, active-duty service members, reservists and National Guard members, surviving spouses, American Indian and Alaska Native buyers, educators, law enforcement officers, firefighters, healthcare workers, and buyers with disabilities among the groups it serves.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Own in Ogden - DPA Program serves buyers purchasing in Ogden, Utah.

  • The program targets specific areas: Designated Ogden City target neighborhoods qualify for higher DPA award and purchase price limit.

How do you apply?

Applications for Own in Ogden - DPA Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through HUD-approved homebuyer education required (NeighborWorks Salt Lake or similar)..

  2. Contact the administering agency to reserve funds

    Funds are reserved through Borrower applies through Ogden City Community Development; reservation upon approval., and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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