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USDA rural development loans in North Ogden, Utah: zero down in eligible areas. Check the eligibility map, income limits and guarantee fee.
Compare loan options against North Ogden's $425K median price point before you shop, refinance, or lock a rate.
Nearby Coverage
USDA rural development loans offer zero-down financing in qualifying areas of North Ogden and surrounding communities. With the median home price at $425,000, a USDA loan eliminates the need for a $14,875–$21,250 down payment entirely. Income eligibility in the North Ogden area extends to households earning up to 115% of the area median income, approximately $94,300, which covers a large share of North Ogden working families. Many buyers assume USDA loans are only for farmland, but eligible areas include suburban communities throughout Utah, check the USDA eligibility map to see if North Ogden qualifies.
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 verify two things: that the property location falls within a USDA-eligible area, and that your household income meets USDA guidelines (up to 115% of area median income). Many suburban Utah communities qualify: the boundaries may surprise you.
Once eligibility is confirmed, we process your loan application with USDA-approved lenders. Pre-approval includes income verification, credit review, and a determination of your maximum purchase price.
After your offer is accepted, the loan package goes through both lender underwriting and USDA review. We manage both processes in parallel to minimize delays. Typical closing timelines are 45–60 days.
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
USDA eligibility is determined by the property's location, not the buyer's address. Many suburban Utah communities outside Salt Lake City's urban core qualify. The USDA eligibility map is updated periodically, and areas can be added or removed. We check the current map for every property you're considering and can provide a list of USDA-eligible neighborhoods in North Ogden.
USDA income limits are set at 115% of the area median income and vary by county and household size. The income of all adult household members is counted, not just the borrowers on the loan. This is different from conventional loans which only consider borrower income. We calculate your specific eligibility based on your household composition and location.
USDA loans typically take 45–60 days to close because the loan must pass through both lender underwriting and USDA review. We manage both processes in parallel and submit a complete package to minimize back-and-forth. Setting realistic timeline expectations with the seller upfront helps avoid issues during the transaction.
Yes, USDA loans can finance manufactured homes that are permanently affixed to a foundation, meet HUD standards, and are classified as real property. The home must be new or an existing manufactured home already financed by a USDA loan. Site-built homes, condos, and townhomes in eligible areas are also covered.
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