Utah conforming & FHA loan limits (2026)
Last updated June 2026 · Source: FHFA & HUD (CY2026)
For 2026, the one-unit baseline conforming loan limit in Utah is $832,750, rising to $1,249,125 in designated high-cost counties. Two-, three-, and four-unit properties have higher limits (below). Loans above the limit are jumbo loans.
Standard-county limits (1–4 unit)
| Program | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| Conforming (conventional) | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| FHA | $541,287 | $693,050 | $837,700 | $1,041,125 |
High-cost limits (1–4 unit)
| Program | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| Conforming ceiling | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| FHA ceiling | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
2026 figures. High-cost counties fall between the baseline and the ceiling based on local median home values — confirm your exact county figure with the official lookups below.
High-cost areas in Utah
These Utah areas carry loan limits above the $832,750 baseline, up to the $1,249,125 ceiling:
- Summit & Wasatch counties (Park City)
County loan limits in Utah
Exact 2026 limits for high-cost counties we’ve detailed:
- Grand County — $839,500 (1-unit)
- Summit County — $1,150,000 (1-unit)
- Wasatch County — $1,150,000 (1-unit)
- Wayne County — $997,050 (1-unit)
What if your loan is above the limit?
A loan above the conforming limit is a jumbo loan — it can’t be sold to Fannie Mae or Freddie Mac, so lenders set their own (usually stricter) rules. A larger down payment can sometimes keep you under the limit. See jumbo vs. conventional, and size a purchase with the affordability calculator.
Check your exact county limit
- FHFA — 2026 Conforming Loan Limit Values
- HUD — FHA 2026 Loan Limits
- FHFA county loan-limit lookup
- FHA county loan-limit lookup
Educational information only — not financial advice or an offer of credit. Loan limits are set by FHFA (conforming) and HUD (FHA) and change annually; always verify the current figure for your specific county with the official lookups above before making decisions.