In 2026, the FHA loan limits for Davis County, UT, including Fruit-Heights, are as follows: $646,300 for a single-family home, $827,400 for a two-unit property, $1,000,100 for a three-unit property, and $1,242,900 for four-unit properties.
For conventional loans, the maximum loan amounts are $646,300 for single-family homes, $827,400 for two units, $1,000,100 for three units, and $1,242,900 for four units.
Use our FHA calculator to check today's leading rates and determine what is needed for downpayment, income, credit, reserves, and necessary documentation to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan products. Consider alternatives like conventional, jumbo, VA, USDA, non-QM, and hard money loans alongside FHA.
Lendersa® gathers data from thousands of lenders and makes comparisons based on your personal financial profile quickly.
The 2026 Loan Limits Comparison Table for Fruit-Heights, Davis, UT provides a look at maximum amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. For more details on qualification criteria like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $646,300 | $827,400 | $1,000,100 | $1,242,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $646,300 | $827,400 | $1,000,100 | $1,242,900 |
| USDA | $517,000 | $517,000 | $517,000 | $517,000 |
| VA | $646,300 | $827,400 | $1,000,100 | $1,242,900 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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