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Weber, Utah · Loan

Emergency Home Repair Program (EHRP) (Ogden City)

Run by Ogden City Community Development

Ogden homeowners at or below 50% of area median income can get a zero-interest loan of up to $5,000, due on sale, to fix an emergency such as a failed heating system, plumbing or electrical problem.

Open Checked Oct 26, 2026

Amounts

How much you get

A zero-interest, deferred-payment loan of up to $5,000, due on sale, move or transfer of the home.

Eligibility

Do I qualify?

You need to meet all 6 of these.

  • Your home is in Weber, Utah.

  • Household income at or below 50% of area median income ($41,300 for one person up to $77,850 for eight).

    People in your homeIncome at or below
    1$41,300
    2$47,200
    3$53,100
    4$58,950
    5$63,700
    6$68,400
    7$73,100
    8$77,850

  • You must have owned the home (fee simple title) for at least 24 months and live in it as your principal residence. Homes bought on contract still in the seller's name aren't eligible.

  • Single-family homes only. Manufactured homes qualify if on a poured foundation with permanent utility hookups and the owner holds title to the lot.

  • The repair must fix an imminent danger to the structure or the occupants' life and health, as determined by Ogden City Inspection Services. Roofing only qualifies after a catastrophe, not normal wear.

  • After an Emergency Home Repair loan you must wait five years to apply again (three years if you're 65 or older).

Applying

How to apply

You apply in person.

  1. Call or visit the project coordinator.

    The coordinator checks your income and how long you've owned the home, then sets an intake appointment.

  2. Bring your documents to the intake appointment and sign the application.
  3. City inspection.

    Ogden City Inspection Services and the coordinator visit the home and write up the emergency work.

  4. Get three written bids from licensed contractors.
  5. Loan closing and repairs.

    The city pays the contractor after a final inspection, and a deed of trust is filed for the loan amount.

What you'll need

  • Copy of the warranty deed or deed of trust

  • Proof of homeowner hazard insurance

  • Proof of income for all household members

  • Federal tax return (Form 1040) for all household members

  • Current photo ID and proof of residency if applicable

Forms and instructionsEmergency Home Repair Program Guidelines and Application (effective 6/1/2026)

Questions about applying(801) 629-8903

Your address

Next steps

Check that it covers your address. Then, if you want, ask for a contractor quote.

FAQ

Questions

How much does Emergency Home Repair Program (EHRP) (Ogden City) pay?

Up to $5,000 loan.

Is there an income limit?

Household income at or below 50% of area median income ($41,300 for one person up to $77,850 for eight).

Do renters qualify?

You must have owned the home (fee simple title) for at least 24 months and live in it as your principal residence. Homes bought on contract still in the seller's name aren't eligible.

Is it still available?

Yes. It was open when we last checked, on October 26, 2026.

References

Sources

This page is built from these official pages, run by the program itself.

  1. Emergency Home Repair Program (EHRP), Ogden Cityogdencity.gov · Read Oct 26, 2026 · Re-checked weekly
  2. Emergency Home Repair Program Guidelines and Application (effective 6/1/2026)ogdencity.gov · Read Oct 26, 2026 · Re-checked monthly

When one of these pages changes, we re-check this page against it.

Report a problem with this page

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