As of 2026, the FHA loan limits set in Layton, located in Davis, UT, are aimed at accommodating various housing configurations. The maximum allowable amount for a single-family home is $744,050. For properties designed for two families, this limit rises to $952,500. If the home accommodates three separate units, the maximum is $1,151,400, while those built for four units reach a cap of $1,430,900. These limits ensure that homeowners and developers can make informed decisions on financing based on their housing needs.
Conventional loans also have their predetermined limits, which differ based on the structure and capacity of residences. For single-family homes, the cap is $744,050. For buildings with two housing units, the maximum increases to $952,500. Properties that feature three units have a cap set at $1,151,400, and those with four units reach as high as $1,430,900. This tiered approach helps borrowers find suitable financing that is tailored to the size and scope of their property.
Feel free to utilize our FHA calculator to identify today's best FHA rates. This calculator presents a clear picture of the required down payment, income benchmarks, credit standards, necessary reserves, and key documentation for qualification. Having access to this information is crucial for planning your financial steps and ensuring you are fully prepared for the application process.
The Lendersa® calculator is a valuable asset, providing the capability to compare FHA rates and conditions with other comprehensive loan programs. You can delve into Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans. This enables you to identify which options best cater to your financial criteria and goals, ensuring an informed decision-making process.
Lendersa® gathers loan data meticulously from thousands of lenders, aligning this information seamlessly within seconds against your specific financial profile. This rapid assessment results in a personalized comparison that effectively addresses your unique needs.
The Loan Limits Comparison Table for 2026, tailored to Layton within Davis, UT, offers a holistic view of maximum loan amounts available across various types. These include FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly analyze qualification aspects like income, reserves, and credit specifics, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) serves as an excellent resource, empowering you to navigate and meet all financial criteria with ease.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $744,050 | $952,500 | $1,151,400 | $1,430,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $744,050 | $952,500 | $1,151,400 | $1,430,900 |
| USDA | $517,000 | $517,000 | $517,000 | $517,000 |
| VA | $744,050 | $952,500 | $1,151,400 | $1,430,900 |
| 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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