Utah FHA Loan Requirements 2026
This guide to Utah FHA loan requirements covers loan limits for every Utah county, credit score and down payment requirements, MIP costs, and how FHA financing compares to Utah Housing programs and conventional loans.
FHA Loan Limits by Utah County (2026)
Most of Utah’s 29 counties sit at the national FHA floor, while the Wasatch Front metro counties and the Heber (Summit/Wasatch) resort corridor are designated high-cost areas with limits well above it. Figures below are verified directly against HUD’s CY2026 FHA Forward mortgage limits.
| County | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| Beaver | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Box Elder | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Cache | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Carbon | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Daggett | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Davis | $744,050 | $952,500 | $1,151,400 | $1,430,900 |
| Duchesne | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Emery | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Garfield | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Grand | $839,500 | $1,074,700 | $1,299,100 | $1,614,450 |
| Iron | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Juab | $601,450 | $769,950 | $930,700 | $1,156,650 |
| Kane | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Millard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Morgan | $744,050 | $952,500 | $1,151,400 | $1,430,900 |
| Piute | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Rich | $579,600 | $742,000 | $896,900 | $1,114,650 |
| Salt Lake | $637,100 | $815,600 | $985,900 | $1,225,200 |
| San Juan | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Sanpete | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Sevier | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Summit | $1,163,800 | $1,489,900 | $1,800,950 | $2,238,150 |
| Tooele | $637,100 | $815,600 | $985,900 | $1,225,200 |
| Uintah | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Utah | $601,450 | $769,950 | $930,700 | $1,156,650 |
| Wasatch | $1,163,800 | $1,489,900 | $1,800,950 | $2,238,150 |
| Washington | $607,200 | $777,300 | $939,600 | $1,167,700 |
| Wayne | $997,050 | $1,276,400 | $1,542,900 | $1,917,450 |
| Weber | $744,050 | $952,500 | $1,151,400 | $1,430,900 |
FHA loan limits vary significantly across Utah’s 29 counties. From the national floor of $541,287 to $1,163,800 in Summit and Wasatch counties, always confirm your exact county limit using HUD’s official FHA Mortgage Limits lookup tool before making an offer.
Utah FHA Loan Requirements Overview
| Requirement | Standard FHA | Notes |
|---|---|---|
| Minimum credit score | 580 (3.5% down); 500–579 (10% down) | Many Utah lenders overlay to 620+ |
| Down payment | 3.5% of purchase price | Gift funds allowed from family |
| Debt-to-income ratio | Up to 57% with strong compensating factors | 43% preferred by most lenders |
| Primary residence | Required — FHA is for owner-occupied only | Must move in within 60 days |
| Property condition | Must meet FHA Minimum Property Standards | Fixer-uppers may not qualify |
| Loan limit | Varies by county — see table above | Purchase price must be at or below limit |
| Mortgage insurance | UFMIP + annual MIP required | Cannot be cancelled on 30-yr loans with less than 10% down |
FHA Mortgage Insurance Premiums (MIP)
All FHA loans require two forms of mortgage insurance: an upfront MIP (UFMIP) paid at closing, and an annual MIP paid monthly.
| MIP Type | Rate | On a $500,000 Loan |
|---|---|---|
| Upfront MIP (UFMIP) | 1.75% of loan amount | $8,750 (typically financed) |
| Annual MIP (monthly) | 0.55% per year (30-yr loan, LTV 95%+) | ~$229/mo |
MIP cancellation: FHA MIP is permanent on loans originated after June 3, 2013, with less than 10% down payment. For Utah buyers who put down 10% or more, MIP cancels after 11 years. Many Utah borrowers refinance into a conventional loan once they reach 20% equity to eliminate MIP.
FHA vs. Conventional in Utah
| Factor | FHA | Conventional |
|---|---|---|
| Min credit score | 580 | 620 |
| Down payment | 3.5% | 3–20% |
| Mortgage insurance | MIP (permanent with <10% down) | PMI (cancels at 80% LTV) |
| Max loan limit (Summit/Wasatch) | $1,163,800 | $1,163,800 |
| Utah Housing pairing | FHA/VA Mortgage + DPA | FirstHome or Freddie Mac HFA Advantage + DPA |
| Best for | Lower credit, gift down payment, first-time buyers | 680+ credit, plans to cancel PMI, stronger assets |
