FHA Home Loans in Utah

2026 FHA Loan Limits, Requirements, Down Payments & FHA Mortgage Programs Statewide

Looking for an FHA loan in Utah?

FHA home loans can provide a flexible path to homeownership for first-time homebuyers, repeat buyers, borrowers with limited down-payment savings, and qualified borrowers whose credit profile may not fit conventional mortgage guidelines.

At UtahLowRate.com, Utah Mortgage Broker Daniel Paris helps homebuyers and homeowners compare FHA purchase and refinance options throughout the entire state of Utah.

With more than 27 years of mortgage lending experience, Daniel helps borrowers understand FHA loan requirements, FHA credit guidelines, minimum down payments, mortgage insurance, debt-to-income considerations, FHA property requirements, refinancing options, and current 2026 FHA loan limits throughout Utah.

Whether you're purchasing in Salt Lake City, Park City, Draper, Sandy, Holladay, Murray, Provo, Orem, Lehi, Ogden, Layton, Heber City, St. George, Logan, Cedar City, Moab, or another Utah community, FHA financing may provide an option worth considering.

Get Pre-Approved for an FHA Loan in Utah

Daniel Paris
Utah Mortgage Broker
801-604-4949
UtahLowRate.com

Call today to discuss an FHA home purchase, FHA mortgage pre-approval, FHA refinance, FHA Streamline refinance, or FHA 203(k) renovation loan in Utah.

All mortgage financing is subject to borrower qualification, FHA and lender requirements, property eligibility, appraisal, documentation, underwriting, and program availability.

What Is an FHA Loan?

An FHA loan is a residential mortgage insured by the Federal Housing Administration, an agency within the U.S. Department of Housing and Urban Development, commonly known as HUD.

FHA mortgage insurance helps approved lenders offer financing to qualified borrowers with features that can include lower minimum down payments and more flexible credit requirements than some conventional mortgage programs.

FHA loans are frequently used by first-time buyers, but you do not need to be a first-time homebuyer to qualify for an FHA mortgage.

Qualified repeat buyers can also use FHA financing when applicable occupancy, credit, income, property, loan-limit, and underwriting requirements are satisfied.

Utah FHA Loans: Quick Facts for 2026

Here are some of the most important facts Utah homebuyers should understand about FHA financing:

• Down payment: As little as 3.5% for qualified borrowers meeting applicable FHA requirements
• Credit score: FHA guidelines can accommodate lower scores than many traditional mortgage programs
• First-time buyer required: No
• Primary residence: Generally required for standard FHA purchase financing
• Gift funds: Permitted from eligible sources when properly documented
• Seller contributions: Permitted subject to FHA requirements
• Mortgage insurance: FHA mortgage insurance generally applies
• Single-family homes: Eligible subject to FHA property requirements
• Condos: Certain condominium properties may qualify
• Manufactured homes: Certain manufactured homes may qualify
• 2–4 unit properties: Eligible owner-occupied multifamily properties may qualify
• Renovation loans: FHA 203(k) financing may be available
• Refinancing: FHA refinance and FHA Streamline refinance options may be available
• 2026 national FHA floor: $541,287 for a one-unit property
• Utah limits: Vary by county and property-unit count

2026 FHA Loan Limits in Utah

FHA loan limits vary according to the county where the property is located and whether the property contains one, two, three, or four residential units.

For 2026, HUD's nationwide FHA loan-limit floor is:

Many Utah counties use these floor limits, while higher-cost housing markets receive higher FHA limits.

For 2026, Utah one-unit FHA limits range from $541,287 in floor counties to $1,163,800 in Summit and Wasatch counties.

2026 FHA Loan Limits for All Utah Counties

The following table shows the 2026 FHA forward mortgage limits for all 29 Utah counties.

Important: These are FHA mortgage loan limits, not maximum home purchase prices. The purchase price can be higher than the FHA base loan amount depending on the required down payment and transaction structure.

The applicable limit is determined primarily by the location of the property and number of residential units, not by where the borrower currently lives.

What Is the Highest FHA Loan Limit in Utah for 2026?

For 2026, Summit County and Wasatch County have Utah's highest standard one-unit FHA loan limit at $1,163,800.

The limits for those counties are:

• 1 unit: $1,163,800
• 2 units: $1,489,900
• 3 units: $1,800,950
• 4 units: $2,238,150

These higher limits can be particularly relevant in higher-cost areas such as Park City, Deer Valley, Heber City, Midway, Hideout, Kamas, and surrounding Wasatch Back communities.

FHA Loan Limits in Salt Lake County for 2026

The 2026 FHA loan limits for Salt Lake County are:

• 1 unit: $637,100
• 2 units: $815,600
• 3 units: $985,900
• 4 units: $1,225,200

These limits apply throughout Salt Lake County, including communities such as:

Salt Lake City, Sandy, Draper, Murray, Holladay, Millcreek, Cottonwood Heights, Midvale, South Jordan, West Jordan, Riverton, Herriman, Bluff dale, Taylorsville, and South Salt Lake.

FHA Loan Limits in Utah County for 2026

The 2026 FHA loan limits for Utah County are:

• 1 unit: $601,450
• 2 units: $769,950
• 3 units: $930,700
• 4 units: $1,156,650

These limits apply to FHA properties in communities including:

Provo, Orem, Lehi, Alpine, Highland, American Fork, Pleasant Grove, Saratoga Springs, Eagle Mountain, Spanish Fork, Springville, Payson, and other Utah County locations.

FHA Loan Limits in Davis, Weber and Morgan Counties

For 2026, the FHA loan limits in Davis County, Weber County, and Morgan County are:

• 1 unit: $744,050
• 2 units: $952,500
• 3 units: $1,151,400
• 4 units: $1,430,900

These limits can apply in communities such as Layton, Bountiful, Farmington, Kaysville, Clearfield, Ogden, North Ogden, South Ogden, Roy, Morgan, and surrounding areas.

FHA Loan Limits in Washington County for 2026

For buyers in St. George and Southern Utah, the 2026 Washington County FHA limits are:

• 1 unit: $607,200
• 2 units: $777,300
• 3 units: $939,600
• 4 units: $1,167,700

Washington County includes communities such as St. George, Washington, Ivins, Santa Clara, Hurricane, La Verkin, and surrounding areas.

FHA Loan Limits in Grand County for 2026

For properties in Grand County, including Moab, the 2026 FHA limits are:

• 1 unit: $839,500
• 2 units: $1,074,700
• 3 units: $1,299,100
• 4 units: $1,614,450

FHA Loan Limits in Wayne County for 2026

Wayne County has a notably higher FHA loan limit than Utah's national-floor counties for 2026.

The limits are:

• 1 unit: $997,050
• 2 units: $1,276,400
• 3 units: $1,542,900
• 4 units: $1,917,450

Because FHA limits are updated annually, borrowers should verify the current county limit when beginning an FHA mortgage transaction.

How Much Down Payment Is Required for an FHA Loan in Utah?

Qualified borrowers may be able to purchase a primary residence using an FHA mortgage with a minimum down payment of 3.5% when they meet applicable FHA requirements.

However, the down payment is only one part of FHA underwriting.

Mortgage lenders can also evaluate:

• Credit scores
• Credit history
• Employment
• Qualifying income
• Debt-to-income ratio
• Assets
• Down-payment source
• Gift funds
• Cash reserves when applicable
• Property type
• Occupancy
• Appraisal
• Previous bankruptcy or foreclosure
• Other underwriting factors

The minimum down payment does not guarantee mortgage approval.

What Credit Score Is Needed for an FHA Loan in Utah?

FHA mortgage guidelines can provide greater flexibility for borrowers with lower credit scores than many conventional mortgage programs.

Under FHA guidelines, a borrower with a qualifying credit score of 580 or higher may potentially be eligible for maximum FHA financing, which can mean a minimum down payment of 3.5%.

FHA guidelines can also permit certain borrowers with qualifying credit scores between 500 and 579, generally with a larger minimum investment.

However, individual mortgage lenders may apply additional credit requirements beyond FHA's minimum guidelines.

Credit score alone does not determine FHA mortgage eligibility.

The borrower's complete credit profile, income, employment, debts, assets, down payment, property, and transaction must also satisfy applicable underwriting requirements.

Can You Buy a Home in Utah With an FHA Loan and a Credit Score Below 620?

Potentially, yes.

A borrower does not necessarily need a 620 credit score to qualify for FHA financing.

FHA mortgage programs can potentially provide financing for borrowers whose credit scores fall below traditional conventional-loan thresholds.

Approval depends on the borrower's complete mortgage profile and applicable lender requirements.

If you're concerned about your credit score, Daniel Paris at UtahLowRate.com can review your complete situation rather than relying on the credit score alone.

Are FHA Loans Only for First-Time Homebuyers?

No. FHA loans are not limited to first-time buyers.

Both first-time and repeat homebuyers can potentially qualify for FHA financing.

FHA loans are popular among first-time buyers because of their relatively low down-payment requirement, flexible credit standards, gift-fund provisions, and availability across many residential property types.

FHA Loans for First-Time Homebuyers in Utah

An FHA loan can be particularly useful for a first-time homebuyer in Utah who has sufficient income to support a mortgage but has limited savings for a large down payment.

Potential FHA benefits can include:

• Down payments as low as 3.5%
• Flexible credit requirements
• Gift funds from eligible sources
• Seller contributions subject to FHA rules
• Fixed-rate mortgage options
• Adjustable-rate mortgage options where available
• FHA-approved down-payment assistance when applicable
• Financing for eligible 1–4 unit owner-occupied properties

First-time buyer status by itself does not guarantee FHA eligibility.

Can Gift Funds Be Used for an FHA Down Payment?

Yes. FHA guidelines permit gift funds from eligible sources when the funds and donor satisfy FHA requirements and the gift is properly documented.

Gift funds may potentially be used toward eligible:

• Down-payment requirements
• Closing costs
• Other permitted transaction costs

This can be useful for borrowers who have sufficient qualifying income to support the mortgage payment but need assistance with funds required at closing.

FHA Mortgage Insurance in Utah

FHA loans generally require mortgage insurance.

There are typically two components:

Upfront Mortgage Insurance Premium

An Upfront Mortgage Insurance Premium, or UFMIP, generally applies to an FHA mortgage and may usually be financed into the mortgage subject to FHA requirements.

Annual Mortgage Insurance Premium

FHA borrowers generally also pay an annual Mortgage Insurance Premium, or MIP, which is typically collected as part of the monthly mortgage payment.

Mortgage insurance costs and duration depend on applicable FHA requirements and factors such as:

• Loan-to-value ratio
• Loan amount
• Mortgage term
• Down payment

When comparing FHA with conventional financing, borrowers should compare more than just the quoted interest rate.

Consider the interest rate, APR, mortgage insurance, closing costs, monthly payment, cash required at closing, and total cost of financing.

FHA Purchase Loans in Utah

An FHA purchase loan in Utah can be used by qualified borrowers to purchase an eligible property that will generally serve as their primary residence.

FHA purchase financing may be available for eligible:

• Single-family homes
• Townhomes
• Condominiums
• Manufactured homes
• Duplexes
• Triplexes
• Fourplexes

The borrower and property must satisfy FHA and lender requirements.

FHA Mortgage Pre-Approval in Utah

Obtaining an FHA mortgage pre-approval before shopping for a Utah home can help a buyer understand their potential:

• Maximum price range
• Estimated FHA loan amount
• Required down payment
• Monthly principal and interest
• Mortgage insurance
• Property taxes
• Homeowners insurance
• Closing costs
• Cash needed for closing

A mortgage pre-approval can also help buyers prepare to submit a purchase offer.

Call Daniel Paris at 801-604-4949 to discuss FHA pre-approval anywhere in Utah.

A pre-approval is not a commitment to lend and remains subject to documentation, underwriting, acceptable property, appraisal, and applicable loan-program requirements.

FHA Loans for Lower Credit Scores in Utah

Past credit problems do not automatically mean that a borrower cannot purchase a home.

Depending on individual circumstances, FHA financing may provide options for borrowers with:

• Lower credit scores
• Limited credit history
• Previous late payments
• Higher debt-to-income ratios
• Prior bankruptcy
• Prior foreclosure
• Limited savings for a down payment

Waiting periods, re-established credit, lender overlays, documentation requirements, and FHA underwriting standards can apply.

FHA Loans for Self-Employed Borrowers in Utah

Yes, self-employed borrowers can qualify for FHA mortgages.

Being a business owner or independent contractor does not automatically mean you need a bank statement or Non-QM mortgage.

Self-employed borrowers may qualify for an FHA loan when their eligible income can be documented and they otherwise satisfy FHA and lender underwriting requirements.

Depending on the business and borrower circumstances, documentation can include applicable:

• Personal tax returns
• Business tax returns
• Profit-and-loss information
• Business documentation
• Bank statements
• Asset statements
• Other documentation required by underwriting

If traditional FHA income documentation does not support sufficient qualifying income, qualified self-employed borrowers may also want to compare alternatives such as:

• Bank statement mortgage loans
• 1099 mortgage loans
• Profit and Loss mortgage programs
• Asset depletion mortgages
• Non-QM loans
• Jumbo alternative-documentation programs

FHA Loans for Duplexes, Triplexes and Fourplexes in Utah

FHA financing is not limited to single-family homes.

Qualified borrowers may potentially finance an eligible two-unit, three-unit, or four-unit residential property using FHA financing when the borrower occupies the property as required and all applicable property and underwriting requirements are satisfied.

This means a qualified borrower may potentially purchase:

• A duplex and occupy one unit
• A triplex and occupy one unit
• A fourplex and occupy one unit

Applicable FHA requirements, including occupancy and multifamily underwriting requirements, must be satisfied.

The 2-, 3-, and 4-unit FHA limits are significantly higher than the one-unit limits, as shown in the Utah county table above.

FHA 203(k) Renovation Loans in Utah

An FHA 203(k) renovation mortgage may allow an eligible borrower to finance both a property's acquisition and qualifying renovation expenses through one FHA-insured mortgage.

Depending on the applicable program and scope of work, eligible improvements may include certain:

• Repairs
• Remodeling
• Modernization
• Structural improvements
• Energy-efficiency upgrades
• Health and safety improvements

FHA 203(k) financing can be useful for buyers considering older Utah homes that require renovation.

FHA Streamline Refinance in Utah

Homeowners who currently have an FHA-insured mortgage may potentially qualify for an FHA Streamline Refinance.

The FHA Streamline program is designed to simplify refinancing for eligible existing FHA borrowers and may require less documentation than some traditional refinance programs.

Certain FHA Streamline transactions may not require a new appraisal.

The borrower and transaction must satisfy applicable FHA requirements, including relevant net tangible benefit standards.

Can You Refinance a Conventional Mortgage Into an FHA Loan?

Potentially, yes.

A Utah homeowner with an eligible conventional or other non-FHA mortgage may potentially refinance into an FHA mortgage if the transaction, borrower, property, equity position, mortgage amount, and other factors meet applicable FHA and lender requirements.

Whether doing so makes financial sense depends on factors such as:

• Current mortgage rate
• New FHA interest rate
• Mortgage insurance
• Closing costs
• Remaining loan term
• New loan term
• Monthly payment
• Equity
• Long-term homeownership plans

FHA Cash-Out Refinance in Utah

Eligible homeowners may potentially use an FHA cash-out refinance to refinance an existing mortgage and access a portion of available home equity.

The maximum available financing depends on applicable FHA rules, property value, occupancy, credit, underwriting, and other requirements.

A cash-out refinance increases the mortgage balance and should be evaluated carefully based on the homeowner's financial objectives.

FHA-Eligible Properties in Utah

FHA financing can potentially be used for several residential property types, including eligible:

• Detached single-family homes
• Attached homes
• Townhomes
• Condominiums
• Manufactured homes
• Duplexes
• Triplexes
• Fourplexes

Properties must satisfy applicable FHA eligibility and appraisal requirements.

FHA Appraisal vs. Home Inspection

An FHA appraisal is not the same thing as a professional home inspection.

An FHA appraisal is used in connection with the mortgage transaction and includes FHA-related property considerations.

A home inspection is conducted for the buyer and is designed to provide more detailed information about the property's physical condition.

Utah homebuyers should understand the distinction and consider obtaining an independent professional home inspection.

FHA Loans in Salt Lake City and Salt Lake County

UtahLowRate.com helps borrowers explore FHA mortgage financing throughout Salt Lake City and Salt Lake County, including:

Salt Lake City, Sandy, Draper, Holladay, Murray, Millcreek, Cottonwood Heights, Midvale, South Jordan, West Jordan, Riverton, Herriman, Bluff dale, Taylorsville, and South Salt Lake.

FHA Loans in Provo, Orem, Lehi and Utah County

FHA financing is also available to qualified homebuyers throughout Utah County, including:

Provo, Orem, Lehi, Alpine, Highland, American Fork, Pleasant Grove, Saratoga Springs, Eagle Mountain, Springville, Spanish Fork, Mapleton, Payson, and surrounding communities.

FHA Loans in Park City, Deer Valley and Summit County

The higher FHA loan limits in Summit County may provide additional FHA purchasing power for eligible owner-occupied properties in higher-cost markets.

Areas include:

Park City, Deer Valley, Canyons Village, Old Town Park City, Kimball Junction, Snyder ville, Jeremy Ranch, Pinebrook, Summit Park, Promontory, and surrounding communities.

FHA Loans in Heber City and Wasatch County

The 2026 FHA limits in Wasatch County are among the highest in Utah.

UtahLowRate.com can assist qualified FHA borrowers purchasing in:

Heber City, Midway, Jordanelle, Charleston, Daniel, and surrounding Wasatch County communities.

FHA Loans in Ogden, Layton and Northern Utah

FHA home loans may also be available throughout Northern Utah, including:

Ogden, Layton, Bountiful, Farmington, Kaysville, Clearfield, Syracuse, Roy, North Ogden, South Ogden, Morgan, Logan, Brigham City, and surrounding communities.

FHA Loans in St. George and Southern Utah

Qualified borrowers can also use FHA financing throughout Southern Utah, including:

St. George, Washington, Ivins, Santa Clara, Hurricane, Cedar City, Enoch, Kanab, and surrounding communities.

FHA Loans Throughout the Entire State of Utah

UtahLowRate.com provides mortgage assistance throughout Utah's 29 counties:

Beaver, Box Elder, Cache, Carbon, Daggett, Davis, Duchesne, Emery, Garfield, Grand, Iron, Juab, Kane, Millard, Morgan, Piute, Rich, Salt Lake, San Juan, Sanpete, Sevier, Summit, Tooele, Uintah, Utah, Wasatch, Washington, Wayne, and Weber Counties.

Whether you're buying in a major metropolitan area, a Wasatch Front suburb, a mountain community, Southern Utah, or rural Utah, FHA guidelines and the applicable county loan limits can be evaluated for your specific property.

FHA vs. Conventional Loans in Utah

Neither loan type is automatically better.

The appropriate mortgage depends on the borrower's credit, income, assets, down payment, property type, occupancy, loan amount, monthly payment goals, and overall financial profile.

Why Work With a Utah Mortgage Broker for an FHA Loan?

A mortgage broker can help borrowers evaluate FHA financing alongside other available mortgage programs instead of viewing the FHA loan in isolation.

Daniel Paris can help qualified borrowers compare:

• FHA home loans
• Conventional mortgages
• VA home loans
• Jumbo mortgage loans
• Super jumbo mortgages
• Bank statement loans
• 1099 mortgage loans
• Profit and Loss loans
• Non-QM mortgages
• Asset depletion programs
• DSCR investment property loans
• Purchase loans
• Mortgage refinance options

The goal is to identify an available mortgage program that fits the borrower's financial profile and property rather than automatically assuming FHA is the best choice.

Frequently Asked Questions About FHA Loans in Utah

What is the FHA loan limit in Utah for 2026?

The 2026 FHA loan limit depends on the county and number of property units. The national FHA floor is $541,287 for a one-unit home, while higher-cost Utah counties have higher limits. Summit and Wasatch counties have a 2026 one-unit limit of $1,163,800.

What is the lowest 2026 FHA loan limit in Utah?

The standard 2026 FHA floor for a one-unit property is $541,287, which applies to many Utah counties.

What is the highest FHA loan limit in Utah in 2026?

The highest standard one-unit FHA loan limit in Utah for 2026 is $1,163,800 in Summit County and Wasatch County.

What is the FHA loan limit in Salt Lake County?

The 2026 FHA limit for a one-unit property in Salt Lake County is $637,100.

What is the FHA loan limit in Utah County?

The 2026 FHA limit for a one-unit property in Utah County is $601,450.

What is the FHA loan limit in Washington County?

The 2026 FHA limit for a one-unit property in Washington County is $607,200.

What is the FHA loan limit in Summit County?

The 2026 FHA limit for a one-unit property in Summit County is $1,163,800.

What is the FHA loan limit in Wasatch County?

The 2026 FHA limit for a one-unit property in Wasatch County is $1,163,800.

What is the minimum down payment for an FHA loan in Utah?

Qualified borrowers who satisfy applicable FHA requirements may be eligible to purchase with a minimum down payment of 3.5%.

Can I get an FHA loan with a 580 credit score?

Potentially. FHA guidelines provide for maximum financing at qualifying credit scores of 580 or higher, subject to all applicable FHA and lender underwriting requirements.

Do I need a 620 credit score for an FHA mortgage?

Not necessarily. FHA financing can potentially be available below a 620 score. Individual lenders may impose additional credit requirements.

Can I get an FHA loan with a credit score below 580?

FHA guidelines may permit certain borrowers with qualifying scores between 500 and 579 with a larger required investment, although lender requirements can be more restrictive.

Are FHA loans only for first-time homebuyers?

No. FHA mortgages are available to qualified first-time and repeat homebuyers.

Can self-employed borrowers qualify for FHA loans?

Yes. Qualified self-employed borrowers can obtain FHA financing when eligible income is adequately documented and all underwriting requirements are met.

Can I buy a duplex with an FHA loan in Utah?

Potentially. FHA financing may be used for eligible 2–4 unit residential properties when the borrower satisfies FHA occupancy, property, and underwriting requirements.

Can I use an FHA loan for an investment property?

Standard FHA purchase financing is intended for a primary residence, not a traditional non-owner-occupied investment property.

Can FHA loans be used to buy a condo in Utah?

Yes, certain condominium properties may qualify for FHA financing when applicable FHA requirements are satisfied.

Are gift funds allowed on FHA mortgages?

Yes. FHA allows eligible gift funds when the donor, source, transfer, and documentation meet applicable FHA requirements.

Does an FHA loan require mortgage insurance?

Generally, yes. FHA mortgages typically include upfront and annual mortgage insurance premiums.

Can I refinance an FHA loan?

Yes. Eligible homeowners may have access to traditional FHA refinancing, FHA Streamline refinancing, or other applicable FHA refinance options.

How do I find my FHA loan limit?

The FHA limit is based on the county where the property is located and the number of residential units. Use the 2026 Utah county table on this page or contact Daniel Paris for the applicable limit.

Get Pre-Approved for an FHA Home Loan Anywhere in Utah

Whether you're a first-time homebuyer, repeat buyer, current homeowner, self-employed borrower, or someone rebuilding credit, FHA financing may provide a path to purchasing or refinancing a primary residence in Utah.

Contact Daniel Paris

Daniel Paris
Utah Mortgage Broker
UtahLowRate.com
801-604-4949

Call today to discuss:

FHA Purchase Loans • FHA Mortgage Pre-Approval • FHA Streamline Refinance • FHA Cash-Out Refinance • FHA 203(k) Renovation Loans • Conventional Loans • VA Loans • Jumbo Loans • Alternative-Documentation Mortgage Programs

Serving qualified borrowers throughout Salt Lake County, Utah County, Summit County, Wasatch County, Davis County, Weber County, Washington County, Tooele County, Cache County, Iron County, Grand County, and every county in Utah.

Last Updated: August 2026

2026 FHA loan limits shown on this page apply to applicable FHA forward mortgages for calendar year 2026 and are subject to HUD rules and updates. Mortgage rates, APRs, fees, credit requirements, loan limits, mortgage insurance, property requirements, and program guidelines can change without notice. All loans are subject to borrower qualification, acceptable credit and documentation, FHA and lender requirements, acceptable property and appraisal, and final underwriting approval. This information is provided for general educational purposes and does not constitute an offer, approval, guarantee, or commitment to lend.