2026 FHA loan limits, down-payment requirements, credit guidelines and FHA mortgage programs for Utah homebuyers and homeowners.

FHA loans in Utah can provide flexible home financing for qualified first-time buyers, repeat buyers and borrowers who may need a lower down payment or more flexible credit guidelines than some conventional mortgage programs.

UtahLowRate.com helps borrowers compare FHA purchase, refinance and renovation mortgage options throughout Utah, including Salt Lake City, Sandy, Draper, Murray, Park City, Heber City, Provo, Orem, Lehi, Ogden, Layton, St. George and surrounding communities.

Daniel Paris has more than 27 years of mortgage lending experience and helps Utah borrowers evaluate FHA loan limits, down-payment requirements, credit, qualifying income, mortgage insurance and available mortgage programs.

Daniel Paris | Utah Mortgage Broker
NMLS #243976
UtahLowRate.com | 801-604-4949

Ready to buy or refinance? Get pre-approved for a Utah mortgage or call 801-604-4949.

Quick Answer: How Do FHA Loans Work in Utah?

FHA loans are mortgages insured by the Federal Housing Administration (FHA), part of the U.S. Department of Housing and Urban Development. Qualified Utah borrowers may use FHA financing to purchase or refinance an eligible primary residence.

FHA financing may offer a minimum down payment as low as 3.5% for qualifying borrowers, flexible credit guidelines and county-specific loan limits. FHA mortgage insurance and property requirements apply.

For official federal program information, visit the U.S. Department of Housing and Urban Development.

FHA Loans Utah: Quick Facts for 2026

FHA Loan Feature General Guideline
Minimum down payment As low as 3.5% for qualifying borrowers
First-time buyer required? No
Primary residence Generally required for FHA purchase financing
Gift funds May be permitted from eligible sources
Seller contributions May be permitted subject to FHA requirements
Mortgage insurance Generally required
Single-family homes Eligible subject to FHA requirements
Condominiums Certain condos may qualify
Manufactured homes Certain properties may qualify
2–4 unit properties May qualify with required owner occupancy
Renovation financing FHA 203(k) may be available
Refinancing FHA refinance programs may be available
2026 national one-unit FHA floor $541,287
2026 national one-unit FHA ceiling $1,249,125
Utah FHA loan limits Vary by county and number of units

FHA loan approval is subject to FHA guidelines, lender requirements, underwriting, property eligibility, appraisal and borrower qualification.

Helpful resources: HUD 2026 FHA Loan Limits | Utah Mortgage Pre-Approval

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.

FHA insurance reduces certain risks for participating lenders, allowing lenders to make mortgages under FHA guidelines to qualified borrowers.

FHA financing is often associated with first-time homebuyers, but you do not have to be a first-time buyer to qualify for an FHA loan.

Qualified repeat buyers may also use FHA financing when they meet applicable occupancy, credit, income, property and underwriting requirements.

Who May Benefit From an FHA Loan?

FHA financing may be worth comparing if you:

  • Have limited funds available for a down payment
  • Are purchasing your first home
  • Are a repeat homebuyer
  • Have a credit profile that makes conventional financing more difficult
  • Want to use eligible gift funds
  • Want to purchase an owner-occupied 2–4 unit property
  • Need financing for an eligible property requiring renovations
  • Currently have an FHA mortgage and want to explore refinancing

FHA isn't automatically the best mortgage for every borrower.

Compare FHA financing with conventional mortgage loans in Utah and, if eligible, VA mortgage loans in Utah before deciding which program fits your situation.

2026 FHA Loan Limits in Utah

FHA loan limits are based primarily on the county where the property is located and the number of residential units.

For FHA case numbers assigned on or after January 1, 2026, HUD established the following national low-cost-area limits:

Property Type 2026 FHA Floor
1 Unit $541,287
2 Units $693,050
3 Units $837,700
4 Units $1,041,125

The national high-cost-area FHA ceiling for a one-unit property in 2026 is $1,249,125.

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

The FHA loan limit is the maximum applicable FHA base mortgage amount under the program. It is not necessarily the maximum purchase price of the property.

For current official limits, use HUD's FHA mortgage-limit resources.

2026 FHA Loan Limits for All Utah Counties

The following are the 2026 FHA forward mortgage limits for Utah counties:

Utah County 1 Unit 2 Units 3 Units 4 Units
Beaver $541,287 $693,050 $837,700 $1,041,125
Box Elder $541,287 $693,050 $837,700 $1,041,125
Cache $541,287 $693,050 $837,700 $1,041,125
Carbon $541,287 $693,050 $837,700 $1,041,125
Daggett $541,287 $693,050 $837,700 $1,041,125
Davis $744,050 $952,500 $1,151,400 $1,430,900
Duchesne $541,287 $693,050 $837,700 $1,041,125
Emery $541,287 $693,050 $837,700 $1,041,125
Garfield $541,287 $693,050 $837,700 $1,041,125
Grand $839,500 $1,074,700 $1,299,100 $1,614,450
Iron $541,287 $693,050 $837,700 $1,041,125
Juab $601,450 $769,950 $930,700 $1,156,650
Kane $541,287 $693,050 $837,700 $1,041,125
Millard $541,287 $693,050 $837,700 $1,041,125
Morgan $744,050 $952,500 $1,151,400 $1,430,900
Piute $541,287 $693,050 $837,700 $1,041,125
Rich $579,600 $742,000 $896,900 $1,114,650
Salt Lake $637,100 $815,600 $985,900 $1,225,200
San Juan $541,287 $693,050 $837,700 $1,041,125
Sanpete $541,287 $693,050 $837,700 $1,041,125
Sevier $541,287 $693,050 $837,700 $1,041,125
Summit $1,163,800 $1,489,900 $1,800,950 $2,238,150
Tooele $637,100 $815,600 $985,900 $1,225,200
Uintah $541,287 $693,050 $837,700 $1,041,125
Utah $601,450 $769,950 $930,700 $1,156,650
Wasatch $1,163,800 $1,489,900 $1,800,950 $2,238,150
Washington $607,200 $777,300 $939,600 $1,167,700
Wayne $997,050 $1,276,400 $1,542,900 $1,917,450
Weber $744,050 $952,500 $1,151,400 $1,430,900

FHA limits can change annually. Verify the applicable limit for the property's county and number of units before relying on a particular amount.

Highest FHA Loan Limits in Utah for 2026

Summit and Wasatch counties have the highest standard one-unit FHA loan limits in Utah for 2026:

  • 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 relevant for borrowers considering properties in Park City, Deer Valley, Heber City, Midway, Hideout, Kamas and Jordanelle.

For loan amounts above available FHA financing, compare jumbo mortgages in Utah.

FHA Loan Limits in Salt Lake County

The 2026 FHA 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 Salt Lake City, Sandy, Draper, Murray, Holladay, Millcreek, Cottonwood Heights, Midvale, South Jordan, West Jordan, Riverton, Herriman, Bluffdale, Taylorsville and South Salt Lake.

FHA Loan Limits in Utah County

The 2026 FHA 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 in Provo, Orem, Lehi, Alpine, Highland, American Fork, Pleasant Grove, Saratoga Springs, Eagle Mountain, Spanish Fork, Springville and Payson.

FHA Loan Limits in Davis, Weber and Morgan Counties

For 2026, Davis, Weber and Morgan counties have the following FHA limits:

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

These areas include Layton, Bountiful, Farmington, Kaysville, Clearfield, Ogden, North Ogden, South Ogden, Roy and Morgan.

FHA Loan Limits in Washington County

For St. George and Washington County:

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

These limits apply in St. George, Washington, Ivins, Santa Clara, Hurricane and surrounding Washington County communities.

FHA Loan Requirements in Utah

FHA loans have federal program guidelines, but mortgage approval involves much more than meeting one requirement.

The lender evaluates the complete application, including the borrower's credit, income, employment, assets, debts and proposed property.

FHA Down Payment Requirements

Qualified borrowers meeting applicable FHA requirements may be eligible for a minimum down payment of 3.5%.

Actual cash required at closing depends on more than the down payment. Buyers should also consider:

  • Closing costs
  • Prepaid expenses
  • Property taxes
  • Homeowners insurance
  • Mortgage insurance
  • Other transaction expenses

Buyers who need assistance with upfront costs may also want to review UtahLowRate.com's down-payment assistance information.

FHA Credit Requirements

FHA guidelines can accommodate some borrowers with lower credit scores than may be acceptable under certain conventional programs.

A qualifying credit score of 580 or higher may permit maximum FHA financing under applicable FHA guidelines.

FHA guidelines may also provide financing for certain borrowers with scores from 500 through 579 with a larger minimum required investment.

Individual lenders can impose additional requirements. A credit score alone does not determine mortgage approval.

FHA Debt-to-Income Ratio

Debt-to-income ratio, or DTI, compares monthly debt obligations with qualifying gross monthly income.

The acceptable DTI for an FHA mortgage depends on the overall loan file and underwriting findings.

Factors may include:

  • Credit profile
  • Proposed housing payment
  • Employment stability
  • Qualifying income
  • Assets and reserves
  • Existing monthly debts
  • Automated underwriting findings
  • Compensating factors when applicable

Rather than relying on one advertised DTI number, have your complete scenario evaluated.

FHA Income Requirements

Borrowers generally must demonstrate sufficient qualifying income to support the proposed mortgage and other obligations.

Depending on the borrower, documentation may include:

  • Recent pay stubs
  • W-2 forms
  • Tax returns when required
  • Bank statements
  • Employment verification
  • Social Security or retirement documentation
  • Documentation of other qualifying income

FHA Loans for Self-Employed Borrowers

Self-employed borrowers can qualify for FHA financing when their income can be appropriately documented and meets applicable underwriting requirements.

Business and personal tax returns, business financial information and other documentation may be required depending on the circumstances.

If traditional tax-return calculations don't adequately reflect your business cash flow, compare FHA qualification with bank statement mortgage loans in Utah and review the bank statement loan requirements.

Bank statement mortgages are alternative-documentation programs and are not FHA loans.

FHA Mortgage Insurance

FHA mortgages generally require mortgage insurance.

There are two primary components.

Upfront Mortgage Insurance Premium

FHA mortgages generally include an upfront mortgage insurance premium, commonly called UFMIP.

Depending on the transaction, the upfront premium can generally be financed into the mortgage rather than paid entirely in cash at closing.

HUD maintains official information about FHA upfront mortgage insurance premiums.

Annual FHA Mortgage Insurance Premium

FHA loans generally also include an annual mortgage insurance premium, or MIP, which is typically collected as part of the monthly mortgage payment.

The amount and duration depend on applicable FHA rules and characteristics of the mortgage.

HUD provides additional information through its Single Family Mortgage Insurance Premium resources.

When comparing FHA with conventional financing, compare the total monthly payment and long-term cost, not simply the advertised interest rate.

FHA Purchase Loans in Utah

Qualified borrowers can use FHA financing to purchase an eligible primary residence throughout Utah.

Potentially eligible property types include:

  • Single-family homes
  • Townhomes
  • Certain condominiums
  • Certain manufactured homes
  • Duplexes
  • Triplexes
  • Fourplexes

The borrower, property and transaction must satisfy applicable FHA and lender requirements.

FHA Mortgage Pre-Approval in Utah

Getting pre-approved before shopping for a home can help you estimate your potential:

  • Maximum purchase price
  • FHA loan amount
  • Down payment
  • Principal and interest payment
  • Mortgage insurance
  • Property taxes
  • Homeowners insurance
  • Closing costs
  • Estimated cash required at closing

Pre-approval can also help you prepare to submit an offer once you find a property.

Get pre-approved for a Utah mortgage or call Daniel Paris at 801-604-4949 to discuss your FHA financing options.

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

FHA Loans for Duplexes, Triplexes and Fourplexes

FHA financing isn't limited to single-family homes.

A qualified borrower may be able to purchase an eligible duplex, triplex or fourplex while occupying one of the units as a primary residence.

For example, a qualified FHA borrower may potentially:

  • Buy a duplex and occupy one unit
  • Buy a triplex and occupy one unit
  • Buy a fourplex and occupy one unit

Owner-occupancy, property and underwriting requirements apply.

The higher 2–4 unit FHA loan limits can make this particularly relevant in higher-cost Utah housing markets.

FHA 203(k) Renovation Loans in Utah

An FHA 203(k) mortgage can combine eligible home financing and qualifying renovation expenses into one FHA-insured mortgage.

Depending on the program and scope of work, an FHA 203(k) may help finance eligible improvements to a property that needs repairs or modernization.

Potential projects can include qualifying:

  • Kitchen renovations
  • Bathroom renovations
  • Roofing
  • Flooring
  • Plumbing
  • Electrical work
  • HVAC improvements
  • Accessibility improvements
  • Energy-efficiency improvements
  • Other eligible repairs or improvements

The property, improvements, contractors and mortgage must satisfy applicable FHA 203(k) requirements.

Learn more about FHA 203(k) renovation loans through UtahLowRate.com.

FHA Refinance Options in Utah

FHA isn't limited to home purchases.

Eligible Utah homeowners may have several refinancing options depending on their existing mortgage and financial goals.

FHA Streamline Refinance

An FHA Streamline refinance is designed for eligible homeowners who already have an FHA-insured mortgage.

Requirements and benefits vary by transaction, so homeowners should compare the proposed rate, payment, mortgage insurance and total refinancing costs.

FHA Rate-and-Term Refinance

An FHA rate-and-term refinance may allow an eligible homeowner to refinance an existing mortgage into FHA financing subject to applicable requirements.

FHA Cash-Out Refinance

Qualified homeowners may also be able to use FHA cash-out refinancing subject to applicable loan-to-value, credit, occupancy, equity and underwriting requirements.

For additional information about refinancing, visit UtahLowRate.com's mortgage refinance guide.

FHA-Eligible Properties in Utah

FHA financing may potentially be used for eligible:

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

The property must satisfy applicable FHA eligibility and appraisal requirements.

FHA Condo Financing

Certain Utah condominium properties can qualify for FHA financing.

Condo eligibility may require additional review, so buyers considering a condominium should investigate eligibility early in the homebuying process.

Use HUD's official FHA condominium search to research FHA-approved condominium projects.

HUD also provides information about FHA condominium project and Single-Unit Approval requirements.

FHA Manufactured Home Financing

Certain manufactured homes may qualify for FHA financing when both the borrower and property satisfy applicable program requirements.

Property classification, foundation, title and other requirements can affect eligibility.

FHA Appraisal vs. Home Inspection

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

The FHA appraisal is performed as part of the mortgage process and addresses valuation and applicable FHA property considerations.

A home inspection is conducted for the buyer and generally provides a more detailed evaluation of the property's physical condition.

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

FHA Loans in Salt Lake City and Salt Lake County

FHA financing is available to qualified borrowers throughout Salt Lake County, including:

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

Local buyers should consider both the applicable Salt Lake County FHA limit and their individual qualifying amount.

FHA Loans in Utah County

FHA home financing may also be used by qualified borrowers throughout Utah County, including:

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

FHA Loans in Park City and the Wasatch Back

Higher home prices make county loan limits particularly important in the Wasatch Back.

Qualified borrowers can explore FHA financing in areas including:

Park City, Deer Valley, Heber City, Midway, Hideout, Kamas and Jordanelle.

Summit and Wasatch counties have higher FHA limits than many other Utah counties.

For financing requirements above FHA or conforming limits, compare Utah jumbo mortgage programs.

FHA Loans in Ogden and Northern Utah

UtahLowRate.com assists qualified borrowers considering FHA financing in:

Ogden, Layton, Clearfield, Roy, Farmington, Kaysville, Bountiful, North Ogden, South Ogden and surrounding Northern Utah communities.

Davis, Weber and Morgan counties have higher 2026 FHA limits than many other Utah counties.

FHA Loans in St. George and Southern Utah

Qualified borrowers can explore FHA financing throughout Southern Utah, including:

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

Washington County has its own FHA loan limits, so buyers should verify the applicable limit before determining their potential FHA financing.

FHA Loans Throughout Utah

UtahLowRate.com works with qualified borrowers 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.

Whether you're buying along the Wasatch Front, in the Wasatch Back, Southern Utah or rural Utah, your FHA financing should be evaluated using the applicable loan limit for the property's county.

FHA vs. Conventional Loans in Utah

FHA and conventional mortgages can both provide low-down-payment financing, but the programs work differently.

Feature FHA Loan Conventional Loan
First-time buyer required No No
Low down-payment options Yes Yes
Government insured Yes No
Mortgage insurance Generally required Depends on LTV/program
County loan limits FHA limits Conforming limits
Primary residence Standard FHA purchase use Primary, second home or investment depending on program
Credit flexibility Can be more flexible Varies
2–4 unit financing Available subject to FHA requirements Available subject to conventional requirements

A borrower with stronger credit and a larger down payment may find conventional financing attractive, while another borrower may benefit from FHA's more flexible guidelines.

The best comparison should consider the interest rate, APR, mortgage insurance, down payment, closing costs and total monthly payment.

Learn more about Conventional Mortgage Loans in Utah and review the 2026 conventional loan limits for Utah.

FHA vs. VA Loans in Utah

Eligible Veterans, active-duty service members and certain qualifying surviving spouses should compare FHA financing with available VA mortgage options.

VA financing can offer substantial benefits to eligible borrowers and does not require monthly FHA-style mortgage insurance.

Borrowers with VA eligibility should generally compare the actual costs and qualification requirements of both programs rather than automatically selecting FHA.

Learn more about VA Mortgage Loans in Utah.

FHA vs. Bank Statement Loans for Self-Employed Borrowers

FHA and bank statement mortgages solve different problems.

An FHA mortgage generally uses traditional qualifying-income documentation under FHA guidelines.

A bank statement mortgage is an alternative-documentation program that may allow an eligible self-employed borrower to qualify using analyzed deposits from personal or business bank statements.

A business owner whose tax returns support FHA qualification may find FHA financing attractive. A borrower whose legitimate business deductions substantially reduce taxable income may want to compare FHA with an alternative-documentation mortgage.

Learn more:

Bank Statement Loans Utah
Bank Statement Loan Requirements

Steps to Get an FHA Loan in Utah

1. Review Your Mortgage Goals

Determine your target home price, approximate down payment and preferred Utah location.

2. Complete an FHA Pre-Approval

Provide information about your income, employment, credit, assets and debts so your potential financing can be evaluated.

Start with Utah Mortgage Pre-Approval.

3. Determine Your County FHA Loan Limit

The applicable FHA limit depends on the property's county and number of residential units.

4. Shop for an Eligible Property

Shop within your approved purchase range while considering FHA property requirements.

5. Submit Your Purchase Contract

Once your offer is accepted, your mortgage can move into processing and underwriting.

6. Complete the FHA Appraisal

An FHA appraisal is generally required.

7. Complete Underwriting

The lender reviews the borrower, property and transaction for applicable FHA and lender requirements.

8. Close Your FHA Mortgage

After applicable underwriting and closing requirements are satisfied, the mortgage can proceed to closing.

Common FHA Loan Mistakes to Avoid

Common FHA mistakes include:

  • Assuming FHA financing is only for first-time homebuyers
  • Confusing the FHA loan limit with the maximum home purchase price
  • Waiting until after making an offer to obtain mortgage pre-approval
  • Ignoring mortgage insurance when comparing payments
  • Assuming every condominium is automatically FHA eligible
  • Making major credit purchases before closing
  • Changing employment without discussing it with your mortgage professional
  • Moving large amounts of money without maintaining documentation
  • Assuming an FHA appraisal replaces a home inspection
  • Comparing mortgages solely by interest rate instead of APR and total cost

Ask questions before making significant financial changes during the mortgage process.

Frequently Asked Questions About FHA Loans in Utah

What is the FHA loan limit in Utah for 2026?

The FHA loan limit depends on the Utah county where the property is located and the number of residential units. The 2026 national FHA floor for a one-unit property is $541,287, while higher-cost Utah counties have higher limits.

What is the lowest FHA loan limit in Utah for 2026?

The 2026 national FHA floor for a one-unit property is $541,287. This limit applies in many Utah counties.

What is the national FHA high-cost ceiling for 2026?

The 2026 FHA high-cost-area ceiling for a one-unit property is $1,249,125. Utah county-specific limits can fall between the national floor and ceiling.

What is the highest one-unit FHA loan limit in Utah for 2026?

Summit and Wasatch counties have a one-unit 2026 FHA limit of $1,163,800.

What is the FHA loan limit in Salt Lake County?

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

What is the FHA loan limit in Utah County?

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

What is the FHA loan limit in Washington County?

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

What is the FHA loan limit in Summit County?

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

What is the FHA loan limit in Wasatch County?

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

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

Qualified borrowers meeting applicable FHA requirements may be eligible for a minimum down payment of 3.5%.

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

Potentially. FHA guidelines can permit maximum FHA financing for qualifying borrowers with a qualifying credit score of 580 or higher. Approval remains subject to the complete loan file and lender requirements.

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

Not necessarily. FHA financing may potentially be available to qualified borrowers with credit scores below 620, although individual lenders may establish additional requirements.

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

FHA guidelines can provide for certain borrowers with qualifying credit scores from 500 through 579 when a larger minimum required investment is made. Individual lender requirements may be more restrictive.

Are FHA loans only for first-time homebuyers?

No. FHA loans can be used by qualified first-time and repeat homebuyers.

Can a self-employed borrower get an FHA loan?

Yes. Self-employed borrowers may qualify when acceptable income can be documented and the borrower satisfies applicable underwriting requirements.

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

Potentially. FHA financing may be used for an eligible 2–4 unit property when the borrower meets owner-occupancy, property and underwriting requirements.

Can I use an FHA loan for an investment property?

Standard FHA purchase financing is generally intended for a borrower's primary residence rather than a traditional non-owner-occupied investment property.

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

Certain condominium properties may qualify for FHA financing. Buyers can use HUD's FHA condominium search to research project approval status.

Can I use gift funds for an FHA down payment?

Eligible gift funds may be used when the source, donor, transfer and documentation satisfy applicable FHA requirements.

Do FHA loans require mortgage insurance?

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

Can I refinance an FHA loan?

Yes. Depending on eligibility and circumstances, FHA homeowners may have FHA Streamline, rate-and-term and other refinance options available.

Review Utah mortgage refinancing options.

How do I find the FHA loan limit for a Utah property?

Determine the county where the property is located and the number of residential units. Then verify the current FHA county loan limit using HUD's official mortgage-limit resources.

Utah FHA Loan Resources

For additional information, use these UtahLowRate.com mortgage resources:

Official FHA Resources

For federal FHA information, borrowers can also consult:

Talk With a Utah FHA Mortgage Broker

If you're considering buying or refinancing a home with an FHA loan in Utah, the next step is to evaluate FHA financing against your credit, income, down payment, property and mortgage goals.

Daniel Paris can help qualified borrowers compare:

  • FHA purchase loans
  • FHA mortgage pre-approval
  • FHA Streamline refinance
  • FHA refinance options
  • FHA 203(k) renovation financing
  • Conventional mortgages
  • VA mortgages
  • Jumbo mortgages
  • Alternative-documentation mortgage programs

Contact Daniel Paris

Daniel Paris
Utah Mortgage Broker
NMLS #243976
UtahLowRate.com
801-604-4949

Serving qualified borrowers throughout Salt Lake County, Utah County, Summit County, Wasatch County, Davis County, Weber County, Washington County and communities throughout Utah.

Get Pre-Approved for a Utah Mortgage

Call 801-604-4949 to Check Your FHA Loan Options

Last Updated: September 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, mortgage insurance, property requirements and program guidelines can change. All financing is subject to borrower qualification, acceptable documentation, property eligibility, appraisal, FHA and lender requirements, and final underwriting approval. This information is provided for general educational purposes and does not constitute an offer, approval, guarantee or commitment to lend.