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

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.

(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.

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.

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.

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.

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.

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

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.

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.

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

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.

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.

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.

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.

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.