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$331,760$424,800$513,450$638,100
BOX ELDEROGDEN-CLEARFIELD, UT$646,300$827,400$1,000,100$1,242,900
CACHELOGAN, UT-ID$331,760$424,800$513,450$638,100
CARBONPRICE, UT$331,760$424,800$513,450$638,100
DAGGETTNON-METRO$331,760$424,800$513,450$638,100
DAVISOGDEN-CLEARFIELD, UT$646,300$827,400$1,000,100$1,242,900
DUCHESNENON-METRO$331,760$424,800$513,450$638,100
EMERYNON-METRO$331,760$424,800$513,450$638,100
GARFIELDNON-METRO$331,760$424,800$513,450$638,100
GRANDNON-METRO$331,760$424,800$513,450$638,100
IRONCEDAR CITY, UT$331,760$424,800$513,450$638,100
JUABPROVO-OREM, UT$401,350$513,800$621,050$771,850
KANENON-METRO$331,760$424,800$513,450$638,100
MILLARDNON-METRO$331,760$424,800$513,450$638,100
MORGANOGDEN-CLEARFIELD, UT$646,300$827,400$1,000,100$1,242,900
PIUTENON-METRO$331,760$424,800$513,450$638,100
RICHNON-METRO$374,900$479,950$580,150$720,950
SALT LAKESALT LAKE CITY, UT$416,300$532,950$644,200$800,600
SAN JUANNON-METRO$331,760$424,800$513,450$638,100
SANPETENON-METRO$331,760$424,800$513,450$638,100
SEVIERNON-METRO$331,760$424,800$513,450$638,100
SUMMITHEBER, UT$765,600$980,325$1,184,925$1,472,550
TOOELESALT LAKE CITY, UT$416,300$532,950$644,200$800,600
UINTAHVERNAL, UT$331,760$424,800$513,450$638,100
UTAHPROVO-OREM, UT$401,350$513,800$621,050$771,850
WASATCHHEBER, UT$765,600$980,325$1,184,925$1,472,550
WASHINGTONST. GEORGE, UT$377,200$482,850$583,700$725,400
WAYNENON-METRO$331,760$424,800$513,450$638,100
WEBEROGDEN-CLEARFIELD, UT$646,300$827,400$1,000,100$1,242,900

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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