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FHA home loans in North Ogden, Utah: 3.5% down, flexible credit, and current county loan limits. Pre-qualify with a local licensed loan officer.
Compare loan options against North Ogden's $425K median price point before you shop, refinance, or lock a rate.
Nearby Coverage
An FHA loan makes homeownership accessible in North Ogden, where the median home price is $425,000. With just 3.5% down, your minimum down payment would be approximately $14,875, compared to $85,000 for a conventional 20% down payment. For first-time buyers in North Ogden's Weber School District area, where the median household income is $82,000, the lower down payment requirement means you can start building equity years sooner. FHA loans are especially popular with buyers near Weber School District and McKay-Dee Hospital who have steady income but haven't had time to save a large down payment.
North Ogden residents enjoy a residential pace with Ben Lomond Peak as the daily backdrop. Morning commutes to Hill AFB or downtown Ogden run 10–20 minutes via US-89. Weekends revolve around North Fork Park trails, Pineview Reservoir fishing, and rec sports at Barker Park. The city hosts a popular Fourth of July celebration with floats and fireworks at the rodeo grounds. Local dining leans casual: pizza spots and Mexican eateries along Washington Boulevard. Neighbors gather at the farmer's market in summer and community potlucks at the rec center year-round.
Median Home Price
$425K
Median Rent
$1,450/mo
Population
21,000
Annual Growth
2.1%
Avg Days on Market
28
Owner-Occupied
78%
Ondo city medians as of Aug 2026 — verify. Not an MLS pull, appraisal, BPO, or CMA. Population and annual growth are approximate and are not tied to a named public source here. Check the U.S. Census Bureau for official figures.
We review your income, credit, and savings to determine your FHA eligibility and purchasing power. Pre-qualification typically takes 24–48 hours and gives you a clear budget range for your home search.
Work with our local agents who know the neighborhoods, schools, and market conditions. We help you find properties that meet FHA property standards so there are no surprises at appraisal.
Our loan team manages the FHA appraisal, underwriting, and closing process. We coordinate with the seller's agent, title company, and FHA appraiser to keep your timeline on track.
School District: Weber School District
Notable schools: North Ogden Elementary, Green Acres Elementary, North Ogden Junior High
Nestled against the western slopes of Ben Lomond Peak with panoramic views of the Great Salt Lake.
Outdoor Activities
Local Landmarks
The minimum credit score for an FHA loan with 3.5% down is 580. If your credit score is between 500 and 579, you may still qualify with a 10% down payment. These are FHA minimums, individual lenders may have overlays that require higher scores. We work with multiple FHA-approved lenders to find the best fit for your credit profile. If your score is below the minimum, we can recommend credit counseling resources to help you get mortgage-ready.
FHA loans require both an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual mortgage insurance premium (MIP) paid monthly. The annual MIP rate depends on your loan amount, down payment, and term length. For most borrowers putting 3.5% down on a 30-year loan, the annual MIP is 0.55% of the loan balance. Unlike conventional PMI, FHA MIP remains for the life of the loan unless you refinance to a conventional loan after building sufficient equity.
Yes. FHA loan limits vary by county and are updated annually. In Utah County and Salt Lake County, the current FHA loan limit for a single-family home is significantly higher than the national baseline. We can confirm the exact limit for North Ogden and help you determine if the median home price in your desired neighborhood falls within FHA limits. If you need a loan above the FHA limit, we can explore conventional and jumbo options.
Yes. The FHA 203(k) rehabilitation loan lets you finance both the purchase price and renovation costs in a single mortgage. There are two types: the Limited 203(k) for cosmetic improvements up to $35,000, and the Standard 203(k) for larger structural renovations. This can be especially valuable in older neighborhoods where homes may need updating. We guide you through the contractor selection and draw process.
3–4 bedroom single-family homes in school-adjacent areas see strongest demand and the lowest turnover.
7–14 days when priced against recent comps and professionally photographed.
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Loan information is provided by Ondo Real Estate (NMLS ID on file). This is not a commitment to lend, a loan approval, or an offer of credit. Rates, terms, and payments shown are estimates for illustration only, are not a quote, and are subject to credit approval, underwriting, and market conditions. You are not required to use Ondo for financing to buy or sell with Ondo. Equal Housing Lender. Program rules, fees, and county loan limits change. Confirm the current published schedule and lender overlays. Nothing here is a quote, a lock, or a credit decision. Licensing and disclosures