Conforming loan limits for Utah - 2019

Home with a sold sign
Here are the conforming loan limits for the Utah counties. Conforming loans are mortgages that "conform" to the lending guidelines and loan limits of the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). Conforming loans are also called conventional mortgages. Read more about conventional/conforming loans at AnytimeEstimate.com

The conventional/conforming loans are not backed by the Federal government like the FHA, VA and USDA mortgages. Loan amounts that exceed the county lending limits are called "jumbo" mortgages.

"What is the minimum down payment with conforming/conventional mortgages"?

The minimum down payment is 5% with the Fannie Mae/Freddie Mac mortgages, however, Fannie Mae offers two mortgages that only require a 3% down payment.

Conventional 97
There are no income limits with the Conventional 97, but the applicant must be a first time home buyer. The home must be a single-family attached or detached dwelling, a townhome, condominium, co-op, or row-home. No duplexes, triplexes or four four-unit buildings are permitted. Private mortgage insurance (PMI) is required for down payments less than 20%. Learn more at Learn more about the Conventional 97 program

HomeReady™
The HomeReady™ program (formerly known as MyCommunity) for low to moderate income home buyers. The program is very similar to the Conventional 97 loan, however, the HomeReady™ loan has income limits. The borrower's income must not exceed either 100% of area median income (AMI) or the home must be located in a moderate income census tracts. The interest rate and mortgage insurance is lower than other conventional home loans. Learn more about the HomeReady™ program

Conforming/conventional loan limits for Utah Counties
One-Unit is a single family home or condominium
Two-Unit is two separate living units (duplex)
Three-Unit three separate living units (triplex)
Four-Unit four separate living units (fourplex)
County Name One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
BEAVER 484,350 620,200 749,650 931,600
BOX ELDER 484,350 620,200 749,650 931,600
CACHE 484,350 620,200 749,650 931,600
CARBON 484,350 620,200 749,650 931,600
DAGGETT 484,350 620,200 749,650 931,600
DAVIS 484,350 620,200 749,650 931,600
DUCHESNE 484,350 620,200 749,650 931,600
EMERY 484,350 620,200 749,650 931,600
GARFIELD 484,350 620,200 749,650 931,600
GRAND 484,350 620,200 749,650 931,600
IRON 484,350 620,200 749,650 931,600
JUAB 484,350 620,200 749,650 931,600
KANE 484,350 620,200 749,650 931,600
MILLARD 484,350 620,200 749,650 931,600
MORGAN 484,350 620,200 749,650 931,600
PIUTE 484,350 620,200 749,650 931,600
RICH 484,350 620,200 749,650 931,600
SALT LAKE 600,300 768,500 928,950 1,154,450
SAN JUAN 484,350 620,200 749,650 931,600
SANPETE 484,350 620,200 749,650 931,600
SEVIER 484,350 620,200 749,650 931,600
SUMMIT 726,525 930,300 1,124,475 1,397,400
TOOELE 600,300 768,500 928,950 1,154,450
UINTAH 484,350 620,200 749,650 931,600
UTAH 484,350 620,200 749,650 931,600
WASATCH 484,350 620,200 749,650 931,600
WASHINGTON 484,350 620,200 749,650 931,600
WAYNE 484,350 620,200 749,650 931,600
WEBER 484,350 620,200 749,650 931,600