FHA Loan Guide for
Utah Buyers 2026
FHA loans let you buy a Utah home with just 3.5% down and a 580+ credit score. Here's everything you need to know — loan limits, requirements, costs, and how FHA compares to VA and conventional loans.
Utah FHA Loan Limits 2026
Loan limits are set annually by HUD. These are the maximum loan amounts — you can still purchase a more expensive home with a larger down payment.
| County | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| Salt Lake County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Davis County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Weber County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Utah County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Summit County (Park City) | $1,149,825 | $1,472,050 | $1,779,525 | $2,211,600 |
| Wasatch County | $1,149,825 | $1,472,050 | $1,779,525 | $2,211,600 |
Source: HUD FHA Mortgage Limits 2026. Limits subject to annual adjustment.
FHA vs Conventional vs VA Comparison
Choosing the right loan type can save you tens of thousands of dollars. Here's how they compare.
| Feature | FHA | Conventional |
|---|---|---|
| Minimum Down Payment | 3.5% (580+ credit) | 3–20% |
| Minimum Credit Score | 580 (3.5% down) 500 (10% down) | 620+ |
| Mortgage Insurance | Required for life of loan | Removed at 20% equity |
| Debt-to-Income Ratio | Up to 57% | Up to 45% |
| Property Condition | Stricter (FHA appraisal) | Standard appraisal |
| Loan Limit (Davis Co.) | $524,225 | $806,500 (conforming) |
| Gift Funds Allowed | Yes — 100% of down payment | Yes, with restrictions |
| Best For | Lower credit, less cash, first-time buyers | Higher credit, 20%+ down |
Military buyers at Hill AFB: If you qualify for a VA loan, it's almost always the better choice over FHA — $0 down, no mortgage insurance, and lower rates. Visit our VA Loan Calculator or Clearfield VA Loan Guide to learn more.
How to Get an FHA Loan in Utah
The FHA process is straightforward. Here's exactly what to expect.
FHA requires 580+ for 3.5% down. If your score is 500–579, you'll need 10% down. If below 500, focus on credit improvement first — I can connect you with a credit counselor.
On a $450K home, 3.5% down = $15,750. FHA also allows 100% gift funds for the down payment from family members, making it accessible even with limited savings.
Work with an FHA-approved lender. Pre-approval confirms your loan amount, locks in your rate range, and shows sellers you're serious. I can connect you with trusted Utah FHA lenders.
Most homes qualify for FHA, but the property must meet HUD's minimum property standards. I'll identify any potential FHA appraisal issues before you make an offer.
I'll negotiate on your behalf with full knowledge of FHA requirements and timelines. FHA offers are competitive — I'll help you structure an offer that wins without overpaying.
FHA requires a special appraisal that checks both value and property condition. If issues arise, I'll negotiate repairs with the seller. Typical closing timeline is 30–45 days.
FHA + Utah Down Payment Assistance = $0 Out of Pocket
Combine an FHA loan with Utah Housing Corporation's FirstHome Loan (up to 6% DPA) to cover your entire 3.5% down payment and potentially your closing costs. Many Utah first-time buyers close with $0–$2,000 out of pocket using this combination.
Dr. David R. Haws
I've helped hundreds of Utah buyers navigate FHA loans, DPA programs, and VA loans to close with minimal out-of-pocket costs. Let me show you the best path for your situation — free, no obligation.
Related Utah Home Financing Resources
Utah FHA Loan FAQ
Common questions from Utah buyers exploring FHA financing.