Conforming, jumbo, and FHA limits
A conforming limit is the maximum loan amount within the Fannie Mae and Freddie Mac size limits. Above the applicable county limit, a loan is jumbo. The 2026 one-unit national baseline is $832,750 and the high-cost ceiling is $1,249,125. Utah county limits appear below. FHA limits are separate and vary by county. Limits update every year.
Limits for 2 to 4 unit properties are higher. Ask Chandler.
2026 one-unit Utah county table
| County | Conforming | FHA |
|---|---|---|
| Beaver | $832,750 | $541,287 |
| Box Elder | $832,750 | $541,287 |
| Cache | $832,750 | $541,287 |
| Carbon | $832,750 | $541,287 |
| Daggett | $832,750 | $541,287 |
| Davis | $832,750 | $744,050 |
| Duchesne | $832,750 | $541,287 |
| Emery | $832,750 | $541,287 |
| Garfield | $832,750 | $541,287 |
| Grand | $839,500 | $839,500 |
| Iron | $832,750 | $541,287 |
| Juab | $832,750 | $601,450 |
| Kane | $832,750 | $541,287 |
| Millard | $832,750 | $541,287 |
| Morgan | $832,750 | $744,050 |
| Piute | $832,750 | $541,287 |
| Rich | $832,750 | $579,600 |
| Salt Lake | $832,750 | $637,100 |
| San Juan | $832,750 | $541,287 |
| Sanpete | $832,750 | $541,287 |
| Sevier | $832,750 | $541,287 |
| Summit | $1,150,000 | $1,163,800 |
| Tooele | $832,750 | $637,100 |
| Uintah | $832,750 | $541,287 |
| Utah | $832,750 | $601,450 |
| Wasatch | $1,150,000 | $1,163,800 |
| Washington | $832,750 | $607,200 |
| Wayne | $997,050 | $997,050 |
| Weber | $832,750 | $744,050 |
Sources: FHFA 2026 limits and HUD 2026 FHA limits. Confirm current limits for the property and unit count before applying.
Utah FAQ
What is the FHA loan limit for Utah County in 2026?
The 2026 FHA limit for a one-unit property in Utah County is $601,450. Limits for 2 to 4 unit properties are higher. Eligibility also depends on your financial information and the property.
What is the conforming loan limit in Utah for 2026?
The one-unit baseline is $832,750. Summit and Wasatch counties are $1,150,000, Wayne is $997,050, and Grand is $839,500. The national high-cost ceiling is $1,249,125, not the limit for every Utah county.
Is $600,000 a jumbo loan in Utah?
A $600,000 loan is below the 2026 one-unit conforming limit in every Utah county. Jumbo classification depends on the loan amount, not the purchase price. Other qualification requirements still apply.