Riverdale Home LoansFirst Homes, Fixer-Uppers & Investments
First home, fixer-upper or your first rental: Riverdale has options for each. We'll compare programs and find the lowest cash to close that fits your budget.
- First-time buyer programs
- Renovation & investor loans
- Fast pre-approval
How much do I need down to buy a home in Riverdale?
Often less than you think. FHA loans allow 3.5% down with a 580+ credit score (up to $744,050 in Weber County in 2026), qualifying first-time buyers can put 3% down on a conventional loan, and eligible veterans can buy with $0 down. Down payment assistance can cover part of the rest.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
An attainable place to start building equity
Riverdale sits along the Weber River between Ogden, Roy and South Weber, with the Riverdale Road shopping corridor, quick I-84 and I-15 access and a short drive to Hill Air Force Base.
Buying an older home? We'll help you weigh a move-in-ready house against a fixer-upper with a renovation loan, comparing the price, repairs and payment side by side.
Riverdale at a glance
| Detail | Riverdale |
|---|---|
| County | Weber County |
| Area | Ogden Area |
| ZIP code | 84405 |
| Public schools | Weber School District |
| Your loan officer | Kenny Farshchian, NMLS #1639863 · call or text (385) 758-5247 |
ZIP codes and school boundaries don't always follow city lines; confirm a specific address with your agent, the county or the school district.
Loans Riverdale buyers use most
Here's how most Riverdale buyers finance a first home or a rental.
FHA Loans
3.5% down with a 580+ score, up to $744,050 in Weber County.
Learn moreDown Payment Assistance
Programs that can cover part of your down payment or closing costs.
Learn moreConventional Loans
From 3% down for qualifying first-time buyers.
Learn moreRenovation Loans
Buy an older home and finance the repairs in the same loan.
Learn moreVA Loans
$0 down for eligible veterans and service members.
Learn moreDSCR Investor Loans
Buying a rental? Qualify with the property's rent.
Learn moreWeber County loan limits for 2026
These limits apply to single-family homes. Loans above the conforming limit are jumbo loans.
| Loan type | 2026 limit (1 unit) | What it means |
|---|---|---|
| Conventional (conforming) | $832,750 | Most homes in Weber County fit under this limit. |
| FHA | $744,050 | 3.5% down with a 580+ credit score. |
| VA | No limit with full entitlement | $0 down for eligible veterans and service members. |
| Jumbo | Above $832,750 | Higher-priced homes; stronger credit and reserves. |
Sources: FHFA 2026 conforming limits and HUD 2026 FHA limits. Limits change each January.
What to know before you buy in Riverdale
- Close to Hill AFB: eligible service members can buy with a VA loan and $0 down.
- Shopping for a condo or townhome? We confirm FHA or VA project approval before you offer.
- Have us review your credit before you shop. A few small fixes can improve your options.
- Older homes deserve a careful inspection. A renovation loan can cover needed repairs so you don't drain your savings.
Three steps to your keys
- 01
Get a real pre-approval
Share your income and assets once. We compare loan options from multiple lenders and tell you exactly what you can afford, usually within 24 to 48 hours.
- 02
Shop with confidence
Make offers in Riverdale with a pre-approval letter local agents trust, and a loan officer who answers the phone when your agent calls.
- 03
Close on time
We manage appraisal, underwriting and title, and keep you and your agent updated at every step until you get the keys.
We also serve cities near Riverdale
Roy
Roy borders Hill Air Force Base and has its own FrontRunner station, making it one of the most convenient places to live for service members and commuters.
Learn moreSouth Ogden
South Ogden is an established residential city on the bench south of Ogden, with mature neighborhoods, valley views and quick access to US-89 and Weber State University.
Learn moreUintah
Uintah is a small town at the mouth of Weber Canyon, between South Weber and South Ogden, with a rural feel, larger lots and quick access to US-89 and I-84.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreRiverdale Home Loan Questions
Yes. Riverdale is a short drive from Hill AFB, and eligible veterans and service members can buy with $0 down and no monthly mortgage insurance, as long as the home will be their primary residence.
Riverdale is in Weber County, where the 2026 single-family limits are $832,750 for conventional loans and $744,050 for FHA loans. VA loans have no limit for borrowers with full entitlement, and loans above $832,750 are jumbo loans.
Often. Utah Housing Corporation offers down payment assistance statewide for qualifying buyers, and its First-Time Homebuyer Assistance Program adds up to $20,000 for newly built homes while funds last. Some cities and nonprofits run their own programs too. We'll check every option you qualify for.
Yes. We're a mortgage broker based in Layton, serving Riverdale and communities across Weber County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in Riverdale?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.