FHA VS Conventional loan programs in 2026 for Kaysville, Davis County, Utah

For the year 2026, the Conventional loan limit in Kaysville, within Davis county, UT, is set at $744,050. For FHA loans, the cap is $744,050 for single-family homes.

Leverage the Lendersa® Conventional loan calculator for a detailed comparison of today's best rates for Conventional, FHA, and USDA loans. Assess the necessary income, credit, reserves, and documentation required for qualification. Using our advanced mortgage calculator, you can view side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA options to decide which option in UT suits your financial needs best.

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2026 Loan Limits and Down Payment Requirements in Kaysville, Davis, UT

Loan Type Loan Limit Down Payment
Conventional Conforming $744,050 3%
USDA $517,000 0%
FHA $744,050 3.5%

The data in this comparison table is applicable for the zip codes: 84037

Explore Conventional and FHA Loan Options in Kaysville, UT

At Lendersa®, the mission is to secure the best loan available, be it Conventional, USDA, or FHA, quickly and with ease. Choose one of three routes to connect with matching lenders and loan options.

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Kaysville Lenders

  • Wasatch Capital Mortgage
  • 697 North 240 East, Kaysville, UT, 84037
  • Lends in Utah
  • At Wasatch Capital Mortgage we strive to make you a “client for life” and a part of our mortgage family. We want to be your first choice each and every time you need a home loan. We have a reputation of going above and beyond for every single client. Our goal is to earn the level of trust that will make you to feel confident.

  • Ashby Financial Group, LC
  • 326 Apricot Grove, Kaysville, UT, 84037
  • Lends in Utah
  • Ashby Financial Group and Lewis Weaver with LW Real Estate have partnered up to provide our clients with an exceptional home buying experience! We provide all types of mortgage financing. We have Conventional, VA, FHA, USDA, Reverse Mortgage, 100% Purchase, non-conventional. We also provide retirement savings plans.

  • Coventry Mortgage
  • 610 N. Kays Drive, Suite 106, Kaysville, UT, 84037
  • Lends in Utah
  • Coventry Mortgage is the right choice for Mortgages. We have built our business by satisfying our customers mortgage needs one loan at a time.We rarely advertise, our business is made up of referrals from happy customers and from creating relationships with borrowers that last a life time.

  • Summit Home Loans
  • 375 N Main St, Suite 201, Kaysville, UT, 84037
  • Lends in Utah
  • Summit Home Loans is a residential mortgage brokerage that strives to provide the very best home financing experience in the industry. Our two main priorities are service and price, which we believe go hand in hand rather than trading one for the other. By providing a competitive and fun working environment.

  • Clear Capital Group
  • 240 N. East Promontory, Suite 200, Suite 4428, Farmington, UT, 84025
  • Lends in Utah
  • Clear Capital Group provides funding solutions for small and mid-size businesses by connecting clients with sorely needed capital resources that simply aren’t available in local banks and credit unions. Offering a literal buffet of financing options tailored to meet the needs of any business regardless of the stage of growth they are in as well as

  • JH Home Loans
  • 556 Rigby Rd, Farmington, UT, 84025
  • Lends in Utah
  • As a local mortgage broker I am able to help you find the best rates and fees for your personal situation. Whether I am your first choice, or you just want a second opinion, I can help. It is not uncommon for me to be able to offer a similar rate to my competitors while paying most if not all the closing costs associated with a mortgage.

  • Best Rates On Earth
  • 722 West Shepard Lane, Suite 104, Farmington, UT, 84025
  • Lends in Utah
  • At TruePointe Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Beam Lending
  • 1086 E Hwy 193, Suite 102, Layton, UT, 84040
  • Lends in Utah
  • Beam Lending was established with you in mind. We focus our efforts on delivering great customer service and competitive interest rates. Over the years, we have been able to help countless clients finance a place they can call home. We are confident that we can provide a home loan solution for you, no matter your situation.

  • The First National Bank of Layton
  • 12 South Main Street, Layton, UT, 84041
  • Lends in Utah
  • At First Community Bank, we don't aspire to a vision of transacting business. We aim for transforming lives. Everything we do as a bank goes towards helping our customers become empowered and succeed financially.

    When you bank with First Community, your banker is more than just a face in the crowd.