In the year 2026, the FHA loan limits set within Salt-Lake-City, which is a part of Salt Lake, UT, are as follows: for a single-family home, the limit is $453,100; properties that accommodate two units have a threshold of $580,050; those with three units can secure up to $701,150; and for homes with four units, the ceiling extends to $871,350.
Focusing on conventional loans, the maximum allowable loan for a single-family residence is $600,300. For properties with two units, the limit is $768,500. For three-unit homes, it advances to $928,950, and if you own a four-unit dwelling, you can borrow up to $1,154,450.
With our FHA calculator, you can explore today’s leading FHA rates and discover the necessary down payment, income requirements, credit standards, reserves, and documentation needed to meet qualification criteria.
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Utilize the Lendersa® calculator to comprehensively compare FHA rates and terms with other loan programs, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans. This tool enhances your understanding of which loan types may be most advantageous for your specific financial situation and goals.
Lendersa® aggregates extensive loan data from a vast array of lenders, enabling a swift, thorough comparison customized to fit your distinct financial profile. This service takes just seconds, allowing for efficient analysis and decision-making.
For the year 2026, the Loan Limits Comparison Table specific to Salt-Lake-City in Salt Lake, UT, provides a detailed examination of maximum loan amounts across various loan types, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a more detailed investigation into qualifying requirements like income levels, credit scores, and reserve necessities, Lendersa® Super Loan Integrated Qualifier (SLIQ™) is a valuable tool to ensure you understand all the key comparatives.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $453,100 | $580,050 | $701,150 | $871,350 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $600,300 | $768,500 | $928,950 | $1,154,450 |
| USDA | $362,400 | $362,400 | $362,400 | $362,400 |
| VA | $600,300 | $768,500 | $928,950 | $1,154,450 |
| 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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