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2025 FHA Loan Limits in Utah

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Loans insured by the Federal Housing Administration (FHA) have more lenient credit requirements than conventional loans, and you can put as little as 3.5% down. But there’s a limit to how much you can borrow. FHA loan limits in Utah vary by county, ranging from $524,255 for single-family homes in most counties to $1,163,800 in expensive areas like Summit and Wasatch counties.

This guide covers how FHA loan limits are determined, how to qualify for an FHA loan in Utah, and top local lenders to choose from.

Utah FHA loan limits by county

Utah single-family FHA loan limits

County name	One unit	Two units	Three units	Four units	Median sales price
BEAVER	$524,225	$671,200	$811,275	$1,008,300	$239,000
BOX ELDER	$744,050	$952,500	$1,151,400	$1,430,900	$599,000
CACHE	$524,225	$671,200	$811,275	$1,008,300	$422,000
CARBON	$524,225	$671,200	$811,275	$1,008,300	$234,000
DAGGETT	$524,225	$671,200	$811,275	$1,008,300	$385,000
DAVIS	$744,050	$952,500	$1,151,400	$1,430,900	$599,000
DUCHESNE	$524,225	$671,200	$811,275	$1,008,300	$308,000
EMERY	$524,225	$671,200	$811,275	$1,008,300	$244,000
GARFIELD	$524,225	$671,200	$811,275	$1,008,300	$344,000
GRAND	$709,550	$908,350	$1,098,000	$1,364,550	$617,000
IRON	$524,225	$671,200	$811,275	$1,008,300	$357,000
JUAB	$601,450	$769,950	$930,700	$1,156,650	$512,000
KANE	$524,225	$671,200	$811,275	$1,008,300	$26,000
MILLARD	$524,225	$671,200	$811,275	$1,008,300	$332,000
MORGAN	$744,050	$952,500	$1,151,400	$1,430,900	$599,000
PIUTE	$524,225	$671,200	$811,275	$1,008,300	$317,000
RICH	$579,600	$742,000	$896,900	$1,114,650	$451,000
SALT LAKE	$629,050	$805,300	$973,400	$1,209,750	$547,000
SAN JUAN	$524,225	$671,200	$811,275	$1,008,300	$257,000
SANPETE	$524,225	$671,200	$811,275	$1,008,300	$325,000
SEVIER	$524,225	$671,200	$811,275	$1,008,300	$313,000
SUMMIT	$1,163,800	$1,489,900	$1,800,950	$2,238,150	$959,000
TOOELE	$629,050	$805,300	$973,400	$1,209,750	$547,000
UINTAH	$524,225	$671,200	$811,275	$1,008,300	$407,000
UTAH	$601,450	$769,950	$930,700	$1,156,650	$512,000
WASATCH	$1,163,800	$1,489,900	$1,800,950	$2,238,150	$959,000
WASHINGTON	$593,400	$759,650	$918,250	$1,141,150	$493,000
WAYNE	$997,050	$1,276,400	$1,542,900	$1,917,450	$457,000
WEBER	$744,050	$952,500	$1,151,400	$1,430,900	$599,000

How are FHA loan limits determined?

FHA loan limits are determined each year using a formula outlined in the National Housing Act. The formula creates FHA loan limits based on a percentage of the national conforming loan limit, which is $806,500 for 2025. As a result, FHA loan limits vary according to the estimated median home price in the area.

There is a “floor,” or the lowest FHA loan limit which is 65% of the conforming loan limit. There is also a “ceiling,” or the maximum FHA loan limit which is at 150% of the conforming loan limit in most states. For 2025, the FHA loan floor is $524,225 and the ceiling is $1,209,750 for one-unit properties, with loan limits in several Utah counties falling between these amounts.

Alaska, Hawaii, Guam and the U.S. Virgin Islands, designated as special exception areas due to high construction costs, have even higher loan limits of as much as $1,814,624 for a single-family home.

How to qualify for an FHA loan in Utah

FHA loan requirements can be more flexible compared to some other home loan options due to low down payment and credit score requirements. Still, Utah FHA loan borrowers need to be able to meet minimum requirements, including:

Minimum 500 credit score: You need to have a minimum credit score of 500 to qualify for an FHA loan, though you can qualify for a lower down payment with a 580 credit score or higher.
Minimum 3.5% down payment: Lenders require you to make a 10% down payment if you have a credit score between 500 to 579. For those borrowers with at least a 580 credit score, you may qualify for a 3.5% down payment.
Maximum 43% debt-to-income (DTI) ratio: Your DTI ratio is the percentage of your monthly income going toward debt payments. While FHA lenders tend to require a DTI ratio that’s 43% or less, there may be some exceptions if you have excellent credit or sufficient cash reserves.
Home appraisal: FHA lenders require an FHA home appraisal to determine whether the home adheres to safety requirements and to assess the home’s current value.
Primary residence: To qualify for an FHA loan, at least one borrower must live in the home for a minimum of a year as their primary residence.
Mortgage insurance: There are two forms of FHA mortgage insurance that protect the lender against default. Borrowers are required to pay upfront mortgage insurance (UFMIP), equal to 1.75% of the loan amount, and annual mortgage insurance premiums (MIP), which range between 0.15% and 0.75% of the loan amount and are rolled into monthly payments lasting either 11 years or the life of the loan.

Buying a multifamily property with an FHA loan

The FHA loan program lets you purchase a two- to four-unit multifamily home with as little as a 3.5% down payment. You’ll need to occupy the property, but you can rent the other units and earn extra income to offset your personal housing costs. You can even use the expected rental income to qualify for the FHA mortgage if your regular income is insufficient. This is an investment strategy known as house hacking.

Like a single-family home, the minimum loan requirements for a multifamily home are as follows:

One of the units needs to be your primary residence for a minimum of one year.
Borrower must have a minimum 580 credit score (or 500 with a 10% down payment).
Borrower should meet DTI requirements of 43% or less.
The home needs to fall within FHA loan limits.
Mortgage insurance must be paid.

In addition, you may need to have additional cash reserves on hand to qualify for a multi-unit property. For example, manually underwritten FHA loans require the borrower to have at least three monthly mortgage payments leftover in cash after closing when purchasing a three or four-unit property.

Below are the standard FHA loan limits for multifamily properties in Utah. Note that the limits are higher in counties with more expensive homes, including Summit, Wasatch and Wayne.