With a 580+ credit score. Can be covered by Utah Housing DPA.
Lower than conventional. Scores 500–579 qualify with 10% down.
2025 FHA limit for Salt Lake, Utah, Davis, and Weber counties.
2025 FHA loan limits by Utah county
| County | Single-Family Limit |
|---|---|
| Salt Lake County | $524,225 |
| Utah County | $524,225 |
| Davis County | $524,225 |
| Weber County | $524,225 |
| Washington County | $437,500 |
| Cache County | $498,257 |
| All other counties | $498,257 |
Limits updated annually by HUD. Multi-unit properties have higher limits. Contact us for current limits on 2–4 unit properties.
Pair your FHA loan with Utah Housing down payment assistance
The Utah Housing Corporation (UHC) offers a second mortgage that covers your 3.5% FHA down payment and some closing costs. As a UHC-approved lender, we apply for both loans simultaneously — one process, one closing.
Income limits and purchase price caps apply, but most first-time buyers across the Wasatch Front and Utah Valley qualify. This combination is one of the most accessible paths to homeownership in Utah.
Learn about all Utah down payment assistance programsUHC program highlights
Popular Utah cities for FHA loans
We serve buyers across Utah — every city page shows local loan programs and market data.