Do you desire to be informed on the FHA Loan Limit in Salt Lake County or Weber County in Utah or you want to know the loan limit for another county for the fact that you live in another one? Irrespective of which county you reside, our easy-to-understand guide will be highly helpful for you to figure out different FHA Loan Limits in Utah for both 1-Unit and 4-Unit. I know that I’ve already covered some details about the loan limits for 1-Unit, 2-Unit, 3-Unit, and 4-Unit properties available in different states, but, for this sake of this article, it is only dedicated to the counties available in Utah.
FHA Loan Limits in Utah
The highest 4-Unit FHA loan limit is $1,397,400 in Summit County of Utah. Even the limit for a 3-Unit home in Summit is more than other counties in Utah. As far as the lowest FHA loan limit in Utah is considered, it is $605,525 and this is not just in Beaver County (if we talk about 4-Unit home), you will also see the same limit in Cache, Carbon, Daggett, Garfield and some other counties.
As you know that this article is about the limits for an FHA loan, we’ll also walk you through the loan limits of some other programs like HECM just for your convenience. There are a total of 29 counties in Utah and we’ve laid out all of them with their loan limits (highest and lowest) in the table below. To learn how you can qualify for an FHA loan in Utah, keep on reading.
How is Loan Limit determined in Utah?
There’s no denying that loan limit is reflected by some factors. The main question, therefore, is: what impacts the loan limits in Utah? Well, it is the number of units you are getting an FHA loan for in Utah. And, this is not about Utah, the same thing happens in other states. For example: if you considering getting a loan for a 1-Unit home, the limit will likely to be small and it will increase as the Unit increases. That’s the reason, the highest loan limit is likely to be for a 4-Unit property or home.
In 2nd paragraph, you can see that the highest loan limit is in Summit County and that is for a 4-Unit home.
How to Qualify for an FHA Loan in Utah?
So, how do you think you can qualify for an FHA Loan in any county in Utah? We’ve earlier discussed that the limits may vary depending on the area you are currently living in, therefore, there will be some ups and downs in the limits based on the location. The minimum loan limit in Utah is $5,000 and the maximum one is 1,397,400 (for a 4-Unit Home). I know this is important for you to know, but what is more significant is the area where this limit is applicable – since there are variations in the limits depending on the county and size of the home.
Furthermore, living in your home as a primary residence is also required in order to qualify for an FHA loan in Utah. Over and above, the loans cannot be qualified if you can getting the home loan for the purpose of “flipping” it or you are buying it for real estate investment purpose.
County-wise Loan Limits in Utah (Lowest & Highest):
The following table depicts the minimum and maximum FHA loan limits in Utah by county:
| County | Min. Loan Limit | Max. Loan Limit |
| Beaver County | $314,827 | $605,525 |
| Box Elder County | $401,350 | $771,850 |
| Cache County | $314,827 | $605,525 |
| Carbon County | $314,827 | $605,525 |
| Daggett County | $314,827 | $605,525 |
| Davis County | $401,350 | $771,850 |
| Duchesne County | $314,827 | $605,525 |
| Emery County | $314,827 | $605,525 |
| Garfield County | $314,827 | $605,525 |
| Grand County | $314,827 | $605,525 |
| Iron County | $314,827 | $605,525 |
| Juab County | $377,200 | $725,400 |
| Kane County | $314,827 | $605,525 |
| Millard County | $314,827 | $605,525 |
| Morgan County | $401,350 | $771,850 |
| Piute County | $314,827 | $605,525 |
| Rich County | $314,827 | $605,525 |
| Salt Lake County | $388,700 | $747,500 |
| San Juan County | $314,827 | $605,525 |
| Sanpete County | $314,827 | $605,525 |
| Sevier County | $314,827 | $605,525 |
| Summit County | $726,525 | $1,397,400 |
| Tooele County | $388,700 | $747,500 |
| Uintah County | $314,827 | $605,525 |
| Utah County | $377,200 | $725,400 |
| Wasatch County | $462,300 | $889,050 |
| Washington County | $349,600 | $672,300 |
| Wayne County | $314,827 | $605,525 |
| Weber County | $401,350 | $771,850 |
In the table above, we have listed the FHA loan limits on the basis of “Highest” and “Lowest”, now we are about to show you the details of the loan limits for each county on the basis of 1-Unit, 2-Unit, 3-Unit, and 4-Unit because it is an FHA loan we are talking about unlike HECM loan limits that stay the same irrespective of any change in the units.
Unit-wise Loan Limits in Utah (1-4 Units):
The table below portrays the loan limits in Utah subject to the number of units you want to get an FHA loan for:
| County | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
| Beaver | $314,827 | $403,125 | $487,250 | $605,525 |
| Box Elder | $401,350 | $513,800 | $621,050 | $771,850 |
| Cache | $314,827 | $403,125 | $487,250 | $605,525 |
| Carbon | ” | ” | ” | ” |
| Daggett | ” | ” | ” | ” |
| Davis | $401,350 | $513,800 | $621,050 | $771,850 |
| Duchesne | $314,827 | $403,125 | $487,250 | $605,525 |
| Emery | ” | ” | ” | ” |
| Garfield | ” | ” | ” | ” |
| Grand | ” | ” | ” | ” |
| Iron | ” | ” | ” | ” |
| Juab | $377,200 | $482,850 | $583,700 | $725,400 |
| Kane | $314,827 | $403,125 | $487,250 | $605,525 |
| Millard | ” | ” | ” | ” |
| Morgan | $401,350 | $513,800 | $621,050 | $771,850 |
| Piute | $314,827 | $403,125 | $487,250 | $605,525 |
| Rich | ” | ” | ” | ” |
| Salt Lake | $388,700 | $497,600 | $601,500 | $747,500 |
| San Juan | $314,827 | $403,125 | $487,250 | $605,525 |
| Sanpete | ” | ” | ” | ” |
| Sevier | ” | ” | ” | ” |
| Summit | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| Tooele | $388,700 | $497,600 | $601,500 | $747,500 |
| Uintah | $314,827 | $403,125 | $487,250 | $605,525 |
| Utah | $377,200 | $482,850 | $583,700 | $725,400 |
| Wasatch | $462,300 | $591,800 | $715,400 | $889,050 |
| Washington | $349,600 | $447,550 | $540,950 | $672,300 |
| Wayne | $314,827 | $403,125 | $487,250 | $605,525 |
| Weber | $401,350 | $513,800 | $621,050 | $771,850 |
The ” means same as above.
I hope you’ve got your head around these varying FHA Loan Limits in Utah, haven’t you? If you still have something to ask on the subject of loan requirements in Utah, do reach out to us by putting your valuable thoughts in the comment segment and we will reply you as quickly as possible.
FHA Loan Limits in Utah – Bottom Line!
Though we’ve tried our best to keep the information on this page as up-to-the-minute as possible, if you think that something is missing, please give us your feedback and we’d love to take that into consideration for sure. We’ve collected this data from the official website of HUD and the main purpose to blog this information is so that you can easily get to know the ins and outs of the FHA loan limits in Utah counties.
What do your qualifications say? Are you able to meet all of the criteria that are required? Let’s share the story in the comment section and see what can be done in that regard.
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