FHA VS Conventional loan programs in 2026 for North-Salt-Lake, Davis County, Utah

For the year 2026, the loan limit for Conventional loans in North-Salt-Lake, which lies in the county of Davis, UT, has been established at $647,200. Meanwhile, the FHA loan limit for single-family homes is set at $646,300.

The Lendersa® Conventional loan calculator is an invaluable tool for comparing the best available rates today for Conventional loans against FHA and USDA loans. Evaluate important factors like income, credit scores, reserves, and required documentation to qualify. Our sophisticated mortgage calculator provides a side-by-side comparison of Conforming Conventional loans and options like USDA, FHA, and VA loans, aiding in your decision to identify which program in UT best fits your financial requirements.

Compare loan offers from a diverse range of 100 lenders

2026 Loan Limits and Downpayment Requirements in North-Salt-Lake, County of Davis, UT

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $517,000 0%
FHA $646,300 3.5%

This detailed comparison table specifically applies to the zip codes: 84054

Exploring Conventional and FHA Loan Choices in North-Salt-Lake, UT

At Lendersa®, our primary aim is to provide you with swift and effortless access to the best possible Conventional, USDA, or FHA loans. Start by selecting one of three unique entry points that facilitate connections with compatible lenders and loan programs tailored to your criteria.

Results of USDA loan requests and matches from Lendersa


North-Salt-Lake Lenders

  • Bonneville Financial Services, Inc.
  • 1009 North Allington Drive North, North Salt Lake, UT, 84054
  • Lends in Utah
  • Bonneville Financial Services, Inc. was founded by Maria Thomson Frady in August 2003. She began her career in the Housing Market as a Real Estate Agent in Brazil in 1990. As an Independent Real Estate Agent, she focused on assisting her clients in buying, selling, and leasing properties in Recife, PE-­Brazil.

  • Integrity Lending.LLC
  • 825 North 300 West, Suite C423, Salt Lake City, UT, 84103
  • Lends in Utah
  • At Integrity Lending, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you

  • Capital Financial Group, Inc.
  • 846 South Main Street, Bountiful, UT, 84010
  • Lends in Utah
  • "We are CFG Home Loans - the mortgage division of Capital Financial Group. A western regional mortgage company providing solutions for our clients with quality, customized home mortgage financing for life.

    Over 20 Years of Specializing in mortgages in Utah
    Provides the highest level of client service."

  • Utah Mortgage Resource LLC
  • 2941 South 100 West, Bountiful, UT, 84010
  • Lends in Utah
  • Utah Mortgage Resource Being a mortgage broker means having access to wholesale lender rates, and a huge variety of mortgage loan products. Being a good mortgage loan officer means knowing the guidelines, and how to insure the best odds for an approval. broker means having access to wholesale lender rates, and a huge variety of mortgage loan pro.

  • Utah Mortgage
  • 1525 North Main Street, Suite 100, Bountiful, UT, 84010
  • Lends in Utah
  • Utah Mortgage was formed in 2015, but our experience extends to over 30 years. Our team is growing quickly to support hundreds of new home-buyers each year. As a privately owned, founder-led company, we’re able to cut costs & time spent on the mortgage process. We invest in technology, research, home-owner support and great design.

  • Zions Bank
  • 1 S Main St, Salt Lake City, UT, 84133
  • Lends in Utah
  • Zions Bank isn't just a Bank. We're part of your community, your next door neighbor, with more than 140 years of history behind every transaction and community investment. We offer access to ATMs throughout Utah, Idaho, and eight other states. We provide financial resources, wealth management solutions, mortgage services, and more

  • Nelson Funding
  • 222 S Main St, Suite 500, Salt Lake City, UT, 84101
  • Lends in Utah
  • Nelson Funding specializes in funding commercial mortgages Nationwide, US Territories, Mexico, Canada, and Caribbean. All property types eligible including hospitality, multifamily, industrial, retail, office, cannabis, special use, and more. Vanilla bridge loans close in 10 days or less. Challenging situations usually close in 14-21 days.

  • Celtic Bank
  • 268 South State Street, Suite 300, Salt Lake City, UT, 84111
  • Lends in Utah
  • Celtic Bank is a Bank with operations in fifty states. Celtic Bank offers numerous mortgage programs including jumbo, non-owner occupied, FHA and construction mortgages. Celtic Bank specializes in construction loans.Headquartered in Salt Lake City, Utah, Celtic Bank was named the 6th largest SBA lender in the nation for FY 2015.

  • Bonneville Multifamily Capital
  • 111 S. Main St, Suite 1600, Salt Lake City, UT, 84111
  • Lends in Utah
  • Bonneville Multifamily Capital has been a division of Bonneville Real Estate Capital (BREC), a full-service mortgage banking firm, since 2003. Since 1975 BREC has originated in excess of $6 billion in interim and long-term loans and sales on real property across the United States.