Utah FHA Loan Limits 2022

An annually updated page showing FHA loan limits for all Utah counties.

What is an FHA loan limit? The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually., and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. 

Utah 2022 FHA Limits by County

Below you will find a table that is sorted alphabetically by all counties in Utah.

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 FHA loan limits

These are FHA loan limits. You are able to purchase a property over these limits with your down payment. If you qualify for the max loan limit but was to buy a property that is $50,000 over the FHA loan limit, it's possible with a $50,000 minimum down payment or consider the Conventional loan which has higher Utah Conforming loan limits available.


Example loan scenario: You want to buy a single-family home in St George, Utah which is in Washington county. Washington county has a FHA loan limit of $481,850. You could purchase a home for $499,326 with the minimum FHA down payment and you'd be within the FHA loan limit.

Utah County

1 Unit

2 Units

Beaver

$420,680

$538,650

Box Elder

$646,300

$827,400

Cache

$420,680

$538,650

Carbon

$420,680

$538,650

Daggett

$420,680

$538,650

Davis

$646,300

$827,400

Duchesne

$420,680

$538,650

Emery

$420,680

$538,650

Garfield

$420,680

$538,650

Grand

$420,680

$538,650

Iron

$420,680

$538,650

Juab

$508,300

$650,700

Kane

$420,680

$538,650

Millard

$420,680

$538,650

Morgan

$646,300

$827,400

Piute

$420,680

$538,650

Rich

$447,350

$572,700

Salt Lake

$523,250

$669,850

San Juan

$420,680

$538,650

Sanpete

$420,680

$538,650

Sevier

$420,680

$538,650

Summit

$970,800

$1,243,050

Tooele

$523,250

$669,850

Uintah

$420,680

$538,650

Utah

$508,300

$650,700

Wasatch

$970,800

$1,243,050

Washington

$481,850

$616,850

Wayne

$420,680

$538,650

Weber

$646,300

$827,400

Over the FHA Loan Limit in Utah?

If the home you are considering is over the FHA limit and you don't have funds to cover the difference as a down payment, please consider a Convention loan. See my Utah Conforming loan limit page for those higher limits. Consider talking to me about your options.

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.

About Scott Buehler

Scott Buehler Your Mortgage Consultant

Welcome to an exceptional home buying experience with Scott Buehler, a Senior Mortgage Consultant, by your side. I'm a proud father of three, a homeowner, hiker, biker, writer and love being around water (my zen place).

My goal is to be your Loan Officer for life. I'm here to help you finance your first home and every loan after. It is my hope this website and all guides establish me as your go-to professional for you, your family, friends, neighbors and everyone in-between.

Disclaimer

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 Veritas Funding 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. Veritas Funding does not offer real estate services. Contact a licensed Real Estate Agent for real estate information. Veritas Funding does not provide credit repair services. Veritas Funding does not offer tax services. Contact your tax preparer for advice on your personal or business taxes.

Home Purchase Guide - Course Navigation

Personal Hands-On Help with Scott Buehler

Every client is unique which requires special care, understanding, compassion and know-how. You will have specific questions that are based around your specific circumstances that aren't answered here.

As your mortgage consultant, I want you to understand that you can come to me directly with anything about home loans. There are no "dumb questions" about one of the largest financial transactions of your life! Please ask.

Accommodations Include: Email, texting, in-office meetings and phone calls. After-hour and weekend accommodations available by appointment.

Below, you will find a form to ask a direct question by email. Please verify your email is correct so you'll receive my reply. You may also send a text to 435.590.1019 to ask questions or to check availability for a phone call.

>