What are FHA Loan Limits in Utah?

FHA loans are a low down payment mortgage program and Utah FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Utah are set at the floor amount of $275,665 across almost the entire state.

Utah FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
BEAVERNON-METRO$275,665$352,950$426,625$530,150
BOX ELDEROGDEN-CLEARFIELD, UT$389,850$499,050$603,250$749,700
CACHELOGAN, UT-ID$275,665$352,950$426,625$530,150
CARBONPRICE, UT$275,665$352,950$426,625$530,150
DAGGETTNON-METRO$302,450$387,200$468,000$581,650
DAVISOGDEN-CLEARFIELD, UT$389,850$499,050$603,250$749,700
DUCHESNENON-METRO$275,665$352,950$426,625$530,150
EMERYNON-METRO$275,665$352,950$426,625$530,150
GARFIELDNON-METRO$275,665$352,950$426,625$530,150
GRANDNON-METRO$275,665$352,950$426,625$530,150
IRONCEDAR CITY, UT$275,665$352,950$426,625$530,150
JUABPROVO-OREM, UT$324,300$415,150$501,800$623,650
KANENON-METRO$275,665$352,950$426,625$530,150
MILLARDNON-METRO$275,665$352,950$426,625$530,150
MORGANOGDEN-CLEARFIELD, UT$389,850$499,050$603,250$749,700
PIUTENON-METRO$275,665$352,950$426,625$530,150
RICHNON-METRO$296,700$379,800$459,100$570,550
SALT LAKESALT LAKE CITY, UT$328,900$421,050$508,950$632,500
SAN JUANNON-METRO$275,665$352,950$426,625$530,150
SANPETENON-METRO$275,665$352,950$426,625$530,150
SEVIERNON-METRO$275,665$352,950$426,625$530,150
SUMMITSUMMIT PARK, UT$636,150$814,500$984,525$1,223,475
TOOELESALT LAKE CITY, UT$328,900$421,050$508,950$632,500
UINTAHVERNAL, UT$275,665$352,950$426,625$530,150
UTAHPROVO-OREM, UT$324,300$415,150$501,800$623,650
WASATCHHEBER, UT$410,550$525,550$635,300$789,500
WASHINGTONST. GEORGE, UT$302,450$387,200$468,000$581,650
WAYNENON-METRO$275,665$352,950$426,625$530,150
WEBEROGDEN-CLEARFIELD, UT$389,850$499,050$603,250$749,700

Utah FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are Utah FHA Limits Set?

Utah FHA Loan LimitsMortgage limits for Utah FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

Utah FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in Utah is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in Utah is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Utah FHA loan limits are set above the nationwide floor amount in the areas of Salt Lake City, Provo and Ogden. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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