Home Buyer Grants and No-Down Payment Programs For Weber County

Click on any program to apply or click on Apply Now

WEBER County Grant
Weber County grant provides up to $5,000. 

Details for the Weber County Grant:

  • Cannot have owned a home in the last 3 years

  • Purchase a home located in Weber County (Except Ogden - Ogden has it's own grant)

  • Provide at least $2,000 of your own money toward the purchase.

  • Complete a housing counseling program (contact us for information on where to take those classes)

Ogden City Grant

Ogden City grant provides up to $5,000

$10,000 of you are a sworn officer of Ogden City Police officer, full time Ogden Firefighter of state-certified K-12 classroom teachers or administrators in schools which serve Ogden City students.

Details for the Ogden City Grant:

  • Cannot have owned a home in the last 3 years.

  • Purchase a home located with Ogden City limits.

  • Provide a minimum of $500 of your own fund towards the home purchase. 

  • This is 0% loan with o payments due but will need to be rapid once the home is sold, refinanced or if you move out of the home. 

 

Venture DPA with NO Mortgage Insurance

Provides a combination of a conventional mortgage with a small second lien to finance the down payment.

  • The first mortgage finances 97% of the purchase price.

  • The 2nd lien is paid over 30 years at the same interest rate as the first mortgage.

  • No mortgage insurance is required.

  • You do NOT need to be a first time buyer.

  • Income limits apply (contact us for more info).

Settlers Fund Grant Money For Weber County

Settlers Fund provides 3.5% of the purchase price of the home.  After 36 on-time payments the entire grant never needs repaid.

Details for the Settlers Fund:

  • May be used for home purchase anywhere in Weber County.

  • Must be an owner occupied home

  • Home must be a single family home, town home or condo

  • Cannot be a Manufactured home

First Time Buyer Program

Buying your first home in Utah? The First Time Buyer is a great financing option. If you have owned a home in the last 3 years you can again qualify as a first time buyer.

Details for the First Time Buyer program:

  • No money down. Technically this program requires a 3.5% down payment. However, that 3.5% down as well as up to 2.5% of closing costs can be financed using a second loan. This means you can get into a home with no money down.

  • Most homes will qualify. You can buy a home up to $476,700. They can be a single family, twin, manufactured PUD or condo. Some restrictions apply for the manufactured, PUD and condo's, so just call us before making the offer.


What are the restrictions? There are several restrictions using the First Time Home Buyer program.

  • Income limits. If your income is too high, then you cannot use this program. Income limits are $86,300 for 1 or 2 people in the home or $99,200 for more than 3 or more people in the home.

  • Must have a 660 or better credit score.

  • No Home Ownership in the past 3 years.

          
Exception for Single parents:
  If you are a single parent, no previous home ownership restriction applies.  

Home Again
Similar to the First Time Buyer program, the Home Again is for those that have owned a home in the last 3 years or make to much money to qualify for the first time buyer program.

Details for the Home Again program:

No money down. Technically this program requires a 3.5% down payment. However, that 3.5% down as well as up to 1.5% of closing costs
can be financed using a second loan. This means you can get into a home with no money down.

What are the restrictions?

  • Income limits. If your income is too high, then you cannot use this program. Income limits are $114,200

  • Must have a 660 or better credit score.

  • You do NOT need to be a first time home buyer!

  • Most homes will qualify. You can buy a home up to $476,700. They can be a single family, twin, manufactured PUD or condo. Some restrictions apply for the manufactured, PUD and condo's so just call me before making the offer.

Score Program
Similar to the Home Again program, the Score program is for those have a score lower than 660.

Details for the Home Again program:

No money down. Technically this program requires a 3.5% down payment. However, that 3.5% down as well as up to 1/2% of closing costs
can be financed using a second loan. Though it's possible to buy a home with no-money down using the score program, some down payment may be needed.

What are the restrictions?

  • Income limits. If your income is too high, then you cannot use this program. Income limits are $82,500.

  • Must have a 620 or better credit score.

  • You do NOT need to be a first time home buyer.

  • Most homes will qualify. You can buy a home up to $365,200. They can be a single family, twin, manufactured PUD or condo. Some restrictions apply for the manufactured, PUD and condo's so just call me before making the offer.

VA 

This no money down program is specifically for those that are serving or have served in the military.

Details of the VA program:

  • To qualify you must have served in the Army, Navy, Air Force, Marines, Coast Guard, National Guard or Public Health Service Actively

  • Served 90 Days Minimum or 181 Days During Peacetime Honorable Discharge General Discharge (under honorable conditions) 

  • Plan to use home for your Primary Residence

  • A spouse, widow or widower of one of the above may also qualify.

  • You do NOT need to be a first time home buyer!