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Utah Conforming Loan Limits 2023

An annually updated page showing Fannie Mae and Freddie Mac Conforming loan limits.

What is a Conforming Loan Limit? Both Fannie Mae and Freddie Mac set limits on home loans that they will buy or guarantee. The Federal Housing Finance Agency (FHFA) publishes annual conforming loan limits that apply to all conventional mortgages delivered to Fannie Mae and Freddie Mac.

Looking for Utah FHA loan limits for 2023?

Utah 2023 Conforming Limits

The Federal Housing Finance Agency has set the conforming loan limits for mortgages to be acquired by Fannie Mae and Freddie Mac in 2023. In most of Utah, the single-family residences loan limit is $726,200, an increase of $79,000 from $647,200 in 2022.​ For a duplex residence or residences established as 2 units, the loan limit is $929,850, an increase of $101,150 from $828,700. Guild Mortgage has made these limits available immediately.

See below for a table that is sorted alphabetically by Utah county as some counties have high-cost loan limits available.

1-Unit - Likely a single-family home, these limits are for the majority of homes purchased in Utah.

2-Unit - Commonly known as a duplex, if you are purchasing a property that has two units under a single structure, then follow the 2-unit loan limit column.

3–4-Unit conforming limits are available upon request. This wasn't provided to improve the mobile experience.

A note about these Utah conforming limits These are conforming loan limits. You are able to purchase a property over these limits with a down payment. As an example and if you qualify, if your goal is to put 5% down on a property and that property is located in Washington County, Utah, you could purchase a property up to $764,421 and have a loan of $726,200 and still be considered conforming.

Utah County Conforming Limits Table

Utah County1 Unit2 Units
Beaver$726,200$929,850
Box Elder$744,050$952,500
Cache$726,200$929,850
Carbon$726,200$929,850
Daggett$726,200$929,850
Davis$744,050$952,500
Duchesne$726,200$929,850
Emery$726,200$929,850
Garfield$726,200$929,850
Grand$726,200$929,850
Iron$726,200$929,850
Juab$726,200$929,850
Kane$726,200$929,850
Millard$726,200$929,850
Morgan$744,050$952,500
Piute$726,200$929,850
Rich$726,200$929,850
Salt Lake$726,200$929,850
San Juan$726,200$929,850
Sanpete$726,200$929,850
Sevier$726,200$929,850
Summit$1,089,300$1,394,775
Tooele$726,200$929,850
Uintah$726,200$929,850
Utah$726,200$929,850
Wasatch$1,089,300$1,394,775
Washington$726,200$929,850
Wayne$726,200$929,850
Weber$744,050$952,500

Are you currently home shopping? If you are currently home shopping in Utah but haven't spoken to a home loan lender about the home loan process, consider Scott Buehler as your Loan Officer! Whether you are a first-time or experienced homebuyer, Scott Buehler would be thrilled to be by your side throughout the home purchase process!

Begin your 60-second questionnaire to get started! Scott will happily guide you through the process, issue you a prequalification letter to your real estate agent after a loan review and help you with your home loan options.

Important Disclaimers

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. Scott Buehler updates this information periodically. This information may include links or references to third-party resources or content. Scott Buehler or Guild Mortgage does not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that may also serve your needs. Guild Mortgage does not offer real estate services. Contact a licensed Real Estate Agent for real estate information. Guild Mortgage does not provide credit repair services. Guild Mortgage does not offer tax services. Contact your tax preparer for advice on your personal or business taxes.
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