Summary

• The new purchase price limit is $380,000.00
• This program can be used for ALL applicants, not just first-time buyers.
• Loans can be used for down payment, closing costs, or principal reduction toward the first mortgage loan balance.
• Income guidelines apply.  See chart below.  These numbers are after the 80% AMI calculation.
• Borrower(s) must provide $500 of his/her own money toward the purchase.  Borrower(s) cannot receive funds at closing ($0.00).
• Persons purchasing their primary residence in Ogden can receive up to a $10,000 loan.
• State-certified K-12 classroom teachers or administrators in schools which serve Ogden City students can receive a $15,000 loan when buying their primary residence within Ogden city limits.
• Ogden City employees and new hires who reside outside Ogden City boundaries, or who rent within Ogden City, can receive up to a $15,000 loan to buy a home as their primary residence in Ogden.
• Ogden City sworn Police Officers and Ogden City Firefighters can receive a $20,000 loan when buying their primary residence within Ogden city limits.
• Our funds may be combined with other Down Payment Assistance programs.  Ogden City evaluates lien position on a case-by-case basis.  We will consider 3rd place lien positions.  Contact us for questions and scenarios.
•  Zero percent interest, deferred-payment loan that is repaid in full in the event of sale or if the borrower discontinues property as primary residence. 
• Loans are for households with incomes at or below 80% of the area median income (AMI).  The numbers below reflect the 80% calculation.

Qualifying Income numbers effective 06/15/23.  Numbers update annually in June.

Application and applying Information

To apply for funds and get program details: Own in Ogden Guidelines and Application Fillable PDF).  There are forms in this package the buyer, seller and lender will need to sign and/or notarize.  Some signatures cannot be done online.  Print, sign, scan and upload using the secure link below.

Secure Document Upload Link:  Own in Ogden Program - Secure Document Upload.  After you have completed the application above, upload the application and supporting documentation.  You may only upload 5 documents at a time due to size restrictions.  You may need to use the link 4-5 times to submit a complete package.   Add the applicant(s) on each link submission.

Homebuyer Education Course - Utah State University Online Course (click to open).  Currently this is the only HUD approved class in Utah we know of.  We cannot accept Fannie Mae/Freddie Mac homebuyer education certificates at this time.

Use this document for Useful tips for Real Estate Agents and Lenders (PDF).  Look here to get answers to our most Frequently Asked Questions (PDF). 

Mortgagee Clause - All loans are secured by a Deed of Trust.  Ogden City should be added as a loss payee on your homeowner insurance.

Use the following mortgagee clause:

Ogden City Mortgagee Clause

ISAOA/ATIMA

Community Development Division

2549 Washington Blvd, Suite 120

Ogden, UT, 84401

TURN TIME Note:  We are experiencing a high volume of file submissions at this time.  We do our very best to turn complete submission files around in 10 business days.  Piece mill packages delay our process and take up to 15 business days to process. 

Please remember inspection repairs/modification items can take all of us outside these timeframes.  Wires cannot be ordered until all inspection repairs/modifications have been completed and the Clear to Occupy has been granted.  Wires typically take 4 business days to process.

Loan Subordination  - Ogden City Subordination Guidelines (pdf)

Loan Payoffs and Loan Servicing:     AmeriNat, P.O. Box 123, Downey, CA 90241 Email:  payoffs@amerinatls.com  Phone:  800-943-1988                             

Own in Ogden funds may be combined with other Down Payment Assistance programs.  Call for details.