Utah Mortgage Guides
State-specific mortgage resources for Utah home buyers and homeowners. FHA, VA, USDA, and conventional loan requirements as they apply in Utah — plus first-time buyer programs, closing cost estimates, and local market context.
Key Utah Mortgage Numbers (2026)
Utah Mortgage Resources
Utah Mortgage Guide
The complete overview of buying or refinancing a home in Utah. Loan limits, market conditions, first-time buyer programs, and what to expect from Utah lenders.
Read the guide →Utah First Time Home Buyer Guide
Utah Housing Corporation (UHC) programs, down payment assistance, income limits, and step-by-step guidance for first-time buyers in Utah.
Read the guide →Utah FHA Loan Requirements
FHA loan limits by county in Utah, credit score requirements, and how FHA fits the Utah market — including Salt Lake, Utah, Davis, and Washington counties.
Read the guide →Utah VA Loan Requirements
VA loan eligibility, entitlement, and county loan limits for Utah veterans and active duty military — including Hill Air Force Base and the Utah National Guard.
Read the guide →Utah USDA Loans
USDA eligible areas in Utah, income limits, and how to use zero-down USDA financing in qualifying rural and suburban Utah communities.
Read the guide →Utah Closing Costs Guide
What buyers and sellers pay at closing in Utah. Title, escrow, lender fees, and transfer taxes — with realistic estimates for Salt Lake City and surrounding areas.
Read the guide →Buying a Home in Utah: What You Need to Know
Utah has one of the most dynamic housing markets in the country. The Wasatch Front — Salt Lake City, Provo/Orem, and Ogden — has experienced significant price appreciation over the past decade, driven by strong job growth in the tech sector, in-migration from higher-cost states, and limited housing inventory relative to demand.
For buyers, this means qualifying for the right loan program and understanding local market conditions is more important than ever. FHA loan limits have kept pace with home values in most Utah counties, though Park City and Summit County buyers often need jumbo financing. VA loans remain the strongest option for eligible veterans — zero down payment and no PMI in any Utah market.
Utah Housing Corporation (UHC)
The Utah Housing Corporation is the state’s housing finance agency and offers several programs specifically for Utah home buyers:
- FirstHome Loan: Below-market rate financing for first-time buyers who meet income and purchase price limits
- HomeAgain Loan: Available to repeat buyers in addition to first-time buyers
- Score Loan: For borrowers with lower credit scores who need additional flexibility
- Down Payment Assistance: A second mortgage covering 3.5%–6% of the purchase price to help with down payment and closing costs
UHC programs require working with a participating lender. Income and purchase price limits vary by county and household size.
Utah Property Taxes
Utah has one of the lower property tax rates in the western United States. The effective tax rate is approximately 0.58% of assessed value — significantly lower than national average. A $500,000 home in Salt Lake County carries roughly $2,900 in annual property taxes, compared to $4,500+ for the same value home in many other states. This affects affordability calculations and PITI payment estimates.
Utah Market Snapshot by Area
| Area | Median Home Price (Est.) | FHA Eligible | Notes |
|---|---|---|---|
| Salt Lake City / SLC County | $500,000–$600,000 | Yes (standard limit) | Strong appreciation, competitive market |
| Provo / Utah County | $450,000–$550,000 | Yes | Large BYU community, growing tech corridor |
| Ogden / Weber County | $350,000–$450,000 | Yes | More affordable, near Hill AFB |
| St. George / Washington County | $450,000–$600,000 | Yes | Fast-growing, retiree migration destination |
| Park City / Summit County | $800,000+ | High-cost limit applies | Resort market, often requires jumbo |
Questions About Buying in Utah?
A licensed Utah mortgage advisor can review your situation, compare loan programs, and help you understand UHC programs and local market conditions.
Speak with a Utah Mortgage Advisor