The number that caps your loan
Utah mortgage loan limits, county by county.
Every mortgage program has a ceiling: the largest loan it will make or back on one home. That ceiling is set by county and reset every year, and for most of Utah it is the same standard number. Here is how the limits work, and how to find the one that applies to you.
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On this page
The short answer
A loan limit is a ceiling, not a rule about you.
A mortgage loan limit is the largest loan a given program will make or back on a single home. It is set by the program, not by your lender, and it is not a judgment about your credit or your income. The best known one is the conforming loan limit, the biggest loan Fannie Mae and Freddie Mac will buy. The Federal Housing Finance Agency, the FHFA, sets it once a year and publishes it county by county. Most Utah counties use the same standard baseline limit. A few higher-cost counties, Summit and Wasatch in the Park City area, carry a higher one. A loan above your county's limit becomes a jumbo loan, which follows the lender's own rules.
The important part to hold onto is what the limit is on. It caps the loan amount, not the price of the home. Because of that, a larger down payment can bring a loan that would have been over the line back under it. And the conforming limit is only one of several. FHA sets its own limits by county, and VA and USDA draw the line in completely different ways. This page keeps every dollar figure off the screen on purpose, because your real number depends on the county, the loan, and the year, and it comes from a lender and the official lookup rather than a web page. What this page does is explain how the limits work and show you where to get yours. Start at the Choosing your loan hub if you want the loan names first.
Your county's exact number
The confirmed figures, kept current and dated.
The confirmed loan limit for each Utah county, with the source it came from and the date it was set, is maintained in a dated table here and refreshed every January, when the new limits take effect. Keeping the source and the date attached to each figure is the honest way to publish a number that changes on a yearly clock, because a loan limit with no date is a loan limit you cannot trust.
If you are reading between updates, or you want your number this minute, you do not have to wait for the table. There are two official places to look it up, and both are free. For the conforming limit, the FHFA publishes a conforming loan limits lookup by county. For the FHA limit, the U.S. Department of Housing and Urban Development, HUD, publishes an FHA mortgage limits lookup, also by county. Those are the authoritative sources for the raw figures. The last step is a lender: a pre-approval confirms which limit actually applies to your loan, in your county, for the program you are using. If you would rather just ask, tell me your situation and I will pull your county's confirmed figure and read it against your plan.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Beaver | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Box Elder | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cache | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carbon | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Daggett | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Davis | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Duchesne | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Emery | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Garfield | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grand higher-cost | $839,500 | $1,074,700 | $1,299,100 | $1,614,450 |
| Iron | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Juab | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kane | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Millard | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morgan | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Piute | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rich | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Salt Lake | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Juan | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sanpete | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sevier | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Summit higher-cost | $1,150,000 | $1,472,250 | $1,779,600 | $2,211,600 |
| Tooele | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Uintah | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Utah | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wasatch higher-cost | $1,150,000 | $1,472,250 | $1,779,600 | $2,211,600 |
| Washington | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne higher-cost | $997,050 | $1,276,400 | $1,542,900 | $1,917,450 |
| Weber | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
These are the 2026 conforming (conventional) loan limits, one figure for each unit count. Source: Federal Housing Finance Agency (FHFA), 2026 Conforming Loan Limits, effective January 1, 2026, published November 25, 2025. Most Utah counties sit at the national baseline; Grand, Summit, Wasatch, and Wayne carry a higher limit. FHA limits are set separately and differ by county, so look yours up with HUD. This table is refreshed each January when new limits take effect.
Limits by loan type
Four programs, four ways to draw the line.
Conforming, or conventional, is where the phrase loan limit is most at home. The conforming loan limit is the largest loan Fannie Mae and Freddie Mac will buy, set each year by the FHFA and published for every county. Most Utah counties sit at the standard baseline; Summit and Wasatch, in the Park City area, carry a higher limit because home prices there run higher. Go above your county's number and the loan turns into a jumbo loan with the lender's own guidelines.
FHA sets its own limits by county too, tied to the conforming limit, with a national floor for lower-cost areas and a higher ceiling for higher-cost ones. Most of Utah lands at or near the floor, and the Park City area again runs higher. FHA carries its own mortgage insurance no matter which county you are in, so the limit is only one piece of that program. The line between FHA and conventional is its own decision, covered in conventional versus FHA.
VA and USDA do not use a conforming-style cap at all. Since 2020, a VA loan has no loan limit for a buyer with full entitlement: the U.S. Department of Veterans Affairs backs the loan regardless of the amount, so entitlement, not a county number, is what governs. A buyer who already has a VA loan in place has reduced entitlement, and there the county limit still plays a part, which is the heart of VA loan entitlement. USDA works differently again: instead of a loan limit it runs on household income limits and area eligibility, so a lender checks your income and the address rather than a ceiling on the loan. The USDA loans guide walks through both tests.
Where buyers get confused
The three mix-ups that make limits confusing.
None of these are anyone's fault. They are the honest misreadings that make loan limits sound scarier than they are.
Limit vs price
The limit is on the loan amount, not the home's price. A larger down payment can bring a loan that was over the line back under it, so the same house can be conforming for one buyer and jumbo for another.
One number for the whole state
There is no single Utah figure. The conforming limit is set county by county. Most Utah counties share the standard baseline, and Summit and Wasatch carry a higher one, so the county you buy in is what decides yours.
Over the limit means no loan
Going over the conforming limit does not end the search. It moves you to a jumbo loan, which has its own rules, or to a larger down payment that brings the amount back under the line. A lender runs both.
Going over it with me
A lender who reads the limit and the loan together.
Which limit applies is a quick answer. Whether it should change your down payment, your price range, or your loan type is the real question, and that is a conversation, not a lookup.
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Twenty years living in Southern Utah. I have helped buyers across Iron and Washington counties match a loan to a real home and a real budget. I know how the county limit lands in an actual purchase here.
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Agent and lender, one picture. I am licensed in both. I can walk the limit, the loan choice, and the search together, taking one role on your purchase and never both at once. I am paid for whichever role I hold, never the other one.
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The real number, from a real file. I will not quote you a limit a web page has no business quoting. I pull your county's confirmed figure and run it against your situation, so the number you shop with has already been checked.
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Statewide, told straight. In Southern Utah I am your agent. Anywhere else in Utah, I connect you with a vetted partner agent I trust and stay involved.
Questions, answered
What buyers ask about loan limits.
A mortgage loan limit is the largest loan a given program will make or back on one home. The best known is the conforming loan limit, the biggest loan Fannie Mae and Freddie Mac will buy, which the Federal Housing Finance Agency sets each year and publishes county by county. FHA sets its own limits the same way. It is a ceiling on the loan amount, not on the home price, and it is not a judgment about you. A larger down payment can bring a loan back under the line.
It is set county by county each year by the Federal Housing Finance Agency, so Utah does not have a single number. Most Utah counties use the standard baseline limit, and the higher-cost counties, Summit and Wasatch in the Park City area, carry a higher one. Because the figures change every year, the honest way to get the current one for your county is to check the official FHFA lookup or ask a lender, rather than trust a number on a web page.
No. The conforming limit is set for each county, not for the state as a whole. Most Utah counties share the same standard baseline limit, but a few higher-cost counties, Summit and Wasatch among them, carry a higher one. FHA limits vary by county too. So the county you are buying in, not the state, is what decides your number.
For a buyer with full entitlement, no. Since 2020 the U.S. Department of Veterans Affairs has backed the loan regardless of the amount for eligible buyers who have their full entitlement, so no county cap limits how much they borrow, and for buyers who qualify a VA loan can require no down payment. Entitlement, not a loan limit, is what governs. A buyer who already has a VA loan in place has reduced entitlement, and there the county limit still plays a part, which a lender walks through.
It becomes a jumbo loan, any mortgage larger than the conforming loan limit for your county. A jumbo lender sets its own rules, since Fannie Mae and Freddie Mac will not buy the loan. Because the limit is on the loan amount and not the price, a larger down payment can sometimes bring the amount back under the line and keep it conforming. Which path costs less depends on your situation, and a lender can run both.
Once a year. The Federal Housing Finance Agency recalculates the conforming loan limit late in the year, usually announcing it in November, and the new limit takes effect the following January. It moves with home prices, so in years when prices rise the limit tends to rise with them. FHA updates its county limits on the same yearly cycle. That is why a confirmed figure always carries the date it was set.
Keep exploring
Let's find the limit that applies to you.
I am Scott Buehler, a Southern Utah agent and mortgage lender. The county limit is a quick lookup; what it means for your down payment, your price range, and your loan type is the useful part. Tell me the county you are buying in and the loan you are weighing, and I will pull your county's confirmed figure, tell you which limit applies, and line up a real pre-approval on the right loan. On your purchase I take one role, lender or agent, and a separate professional handles the other. No pressure, and no obligation.
Not in Southern Utah? The lending side of my work covers the whole state. Need an agent for the search too? I can connect you with partner agents I trust, or you can work with any agent you choose. When I am your lender, I receive no referral fee or other payment from any agent or brokerage, and using a referred agent is never required.