Explore the Home Buyer Grants and No-Down Payment Programs available in Weber County

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3% Down Grant

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Home Buyer Grants and No-Down Payment Programs for Weber County Click on any program below to apply or select 'Apply Now'.
No first time home buyer requirement.
3% Grant for down payment up to $15,000.
80% AMI.
Silent 2nd that is repayed when you refinance or sale.
No payments and no intrest due.
Min FICO of 620.

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3% Down Grant

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Must be a first time home buyer.
3% Grant for down payment up to $15,000.
No income restrictions
Silent 2nd that is repayed when you refinance or sale.
No payments and no intrest due.
Min FICO of 700.

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Weber County Grant

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(Harrisville, Huntsville, North Ogden, Ogden, Pleasant View, Riverdale, Roy, Uintah, Washington Terrace, West Point)
Provides up to $5,000 in down payment assistance.
Eligibility Requirements:
Must not have owned a home within the last 3 years.
Property must be located in Weber County, excluding Ogden (see Ogden City Grant).
Must contribute at least $2,000 from personal funds towards the purchase.
Completion of a housing counseling program is required (contact us for more details).
Approval must be obtained prior to making an offer on a home.

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Ogden City Grant

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Offers up to $10,000 for buyers within Ogden City limits.
Special provisions for public servants:
Up to $20,000 for sworn Ogden City Police officers or full-time Ogden firefighters.
Up to $15,000 for state-certified K-12 teachers, administrators serving Ogden City students, Ogden City employees, or new hires.
Conditions:
Properties must be within Ogden City boundaries.
Applicants must provide a minimum of $500 from their own funds.
This is a 0% interest loan, repayable upon selling, refinancing, or vacating the property.
Open to all, regardless of previous homeownership.

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Borrow Smart Grant for Weber County

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Grants up to $2,500.
Must be a first-time homebuyer not having owned a home in the last 3 years.
Applies to 1-4 unit residences, including condos, PUDs, and manufactured homes (excluding mobile homes).
Requires completion of a home-ownership education program.
Grants can be combined with other programs.

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Home Empowered Weber County Grant

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Provides up to 3.5% of the home purchase price, which does not need to be repaid.
Applicable for properties throughout Weber County.
For owner-occupied homes only; excludes second homes and investment properties.
Eligible properties include single-family homes, townhomes, condos, or duplexes.
On-site manufactured homes are eligible; mobile homes in parks are not.
Qualification criteria include being a first-time homebuyer, a single parent, or a contributing community member in specified professions.

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Chickasaw Grant Money for Weber County

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Offers a one-time grant of up to $3,000 for down payment or closing cost assistance.
Documentation required prior to closing.
Eligibility limited to Chickasaw Nation citizens, participants in the loan application, and those approved for a home loan.
Must be for primary residences without ownership of investment property and not for cash-out refinancing.

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Rural No-Money Down

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Provides 100% financing for properties designated as rural within Weber County.
Liberal income limitations based on household size.

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Utah Housing First Time Buyer Program

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Offers significant support for first-time buyers with no down payment required; associated costs can be covered by secondary financing.
Maximum purchase price of $758,450; applicable to a variety of dwelling types including manufactured homes, with certain restrictions.
Income and credit score restrictions apply, with specific provisions for single parents and displaced homemakers.

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Utah Housing FHA Zero Down

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Suitable for those who've owned a home within the last 3 years or exceed first-time buyer income thresholds.
No down payment required; costs can be covered by secondary financing.
FHA loan limits apply, with a maximum purchase price of $1,089,300 for single homes and $1,394,775 for duplexes.

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Conventional Zero Down

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Requires a minimal 3% down payment, which can also be financed.
No first-time homebuyer requirement.
Income and credit qualifications must be met.

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VA Program

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Exclusive to military service members, veterans, and eligible spouses.
No down payment required and not limited to first-time buyers.
Proof of service and other conditions apply.

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Weber County Grant Program

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This detailed guide is designed to help you navigate the various programs available for purchasing a home in Weber County, ensuring you find the best fit for your housing needs and financial situation.
The Weber County Grant Program provides up to $5,000 in down payment assistance to first-time homebuyers. Additionally, the Own in Ogden initiative specifically targets first-time buyers within Ogden City, offering grants of $10,000 for general applicants, $15,000 for K-12 teachers, and $20,000 for firefighters to help cover down payment costs.

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Chenoa Fund

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The Chenoa Fund offers flexible down payment assistance up to 3.5% of the purchase price for 1-2 unit properties, with three distinct options: a Grant/Gift, a Forgivable Second, and a Repayable Second, the latter of which imposes no income restrictions.

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Utah Housing Corporation Loan

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The Utah Housing Corporation Loan provides 4%-6% of the purchase price as down payment assistance, with several program options including FirstHome, HomeAgain, Score, and NoMI.

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Rural Housing Program

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For those looking in rural areas of the county, the Rural Housing program offers an attractive 100% financing opportunity, providing comprehensive support without the need for a traditional down payment.

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Ready to take the next step? Explore our grants and loan programs today!

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