In the year 2026, the FHA loan limits in Orem within Utah, UT, are tailored to fit varying home types: a limit of $601,450 for a single-family home, $769,950 designated for properties with two units, $930,700 for residences with three units, and $1,156,650 for homes that can accommodate four units.
When it comes to conventional loans, the ceiling for a single-family dwelling is set at $726,200. For properties comprising two units, this extends to $929,850. For those with three units, the limit is $1,123,900, and $1,396,800 for homes featuring four units.
Our FHA calculator is available to help you discover today's most competitive FHA rates. It assists in determining the necessary down payment, income requirements, credit scores, reserves, and all necessary documentation needed to qualify. This tool offers a comprehensive guide in preparing for the loan application process, allowing for better planning and understanding.
Browse over 100 lender offers to find the loan that best matches your financial goals and needs.
The Lendersa® calculator is an invaluable resource for comparing FHA rates and conditions with those of other available loan programs. This includes exploring the options provided by Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly compiles loan program data from thousands of lenders, enabling a comparison that is matched precisely to your financial profile and unique needs in just seconds.
The Loan Limits Comparison Table for 2026 in Orem, part of Utah, UT, gives a holistic view, comparing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and the maximum limits of hard money loans. To thoroughly understand qualification needs such as income levels, credit, and reserves, utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) to aid in the entire qualification spectrum.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $601,450 | $769,950 | $930,700 | $1,156,650 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $406,600 | $406,600 | $406,600 | $406,600 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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