In 2026, within Provo, located in Utah, UT, the FHA loan limits are as follows: for a single-family home, it's set at $601,450; for two-unit dwellings, the limit is $769,950; for properties with three units, it's $930,700; and for residences featuring four units, the cap is $1,156,650.
When it comes to conventional loans, the upper loan amount for a single-family residence is defined as $726,200. For houses with two units, the maximum is $929,850; for those with three unit configurations, it's $1,123,900; and for four-unit properties, the limit reaches $1,396,800.
Take advantage of our FHA calculator to find today’s most competitive FHA rates. Determine the required down payment, specific income thresholds, necessary credit score, reserves, and all requisite documentation needed to qualify effectively and efficiently.
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The Lendersa® calculator empowers you to meticulously compare the rates and terms of FHA loans with those across various other programs. This encompasses Conventional loans, Jumbo loans, VA, USDA, Non-QM, and different hard money loans, providing a comprehensive view of your financing possibilities.
Lendersa® leverages a vast pool of loan program data sourced from thousands of lenders, allowing for an immediate comparison against your unique financial profile. This personalized approach ensures that the loan options are tailored to fit your specific needs swiftly.
The Loan Limits Comparison Table for the year 2026 in Provo, Utah, UT is an essential tool, providing a detailed side-by-side view of the maximum loan amounts permissible. This includes programs such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To effectively compare the qualification requirements such as income, reserves, and credit standards, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for in-depth analysis and understanding.
| 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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