If you’ve been dreaming of buying a home in Ogden but saving for the down payment feels impossible — good news is on the horizon.
Ogden City’s Own in Ogden program is coming back with funding starting January 1, 2026 — and it could be the helping hand you’ve been waiting for.
Let’s break down how it works and why this program is such a smart move for Utah homebuyers.
What Is “Own in Ogden”?
Own in Ogden is a down payment assistance program offered by Ogden City to help people buy homes within city limits.
It’s designed to strengthen neighborhoods by helping residents — especially community heroes — put down roots where they work and serve.
While the program is currently out of funds, it’s expected to reopen in early 2026 with new allocations.
Who Can Qualify — and How Much Help Can You Get?
The amount of assistance depends on your profession and where you plan to buy.
Here’s a look at what’s expected once funds are replenished:
• Educators, Firefighters & Law Enforcement Officers:
Can receive up to $15,000 in down payment help when buying within Ogden City limits.
• Other Eligible Buyers:
May qualify for up to $10,000 toward their down payment or closing costs.
All buyers must plan to live in the home as their primary residence — this isn’t for rental or investment properties.
What’s a “Silent Second Mortgage”?
The funds come in the form of a silent second mortgage — and this is where the magic happens.
A silent second means:
• No monthly payments.
• No interest.
• You simply repay the assistance when you sell, refinance, or stop living in the home.
That’s it. You get to use Ogden’s money — at 0% interest — to make your dream of homeownership real.
Borrowing money at zero percent interest is one of the smartest financial moves you can make. You keep your cash in your pocket while still gaining equity in a rising Utah housing market.
Why This Matters for Utah Buyers
With Ogden’s strong job market, growing downtown, and affordable home prices compared to Salt Lake and Davis counties, this program can make a huge difference — especially for first-time buyers and community workers who want to live where they serve.
By using Own in Ogden, buyers can save years of saving time, skip expensive private mortgage insurance (in some cases), and get into a home before prices climb higher.
Get Ready for 2026
• Get prequalified for your mortgage
• Improve your credit score
• Save for closing costs
• Connect with a local lender who understands the program
At Supreme Lending – Mortgage Team Utah, my team and I specialize in helping Utah buyers take advantage of local programs like Own in Ogden.
We’ll help you map out your game plan now — so when funds open again, you’re first in line.
Ready to Plan Your Move?
Even though Own in Ogden funds aren’t here yet, your path to homeownership can start today.
📞 Call or text Grant Holmes and Mortgage Team Utah at Supreme Lending to get prequalified and learn more.
Let’s get you ready to own your piece of Ogden in 2026.