During 2026, the FHA loan limits in Smithfield county of Cache, UT, are as follows: for a single-family home, it's $492,200; for properties with two units, the limit is $630,100; for three units, it becomes $761,650; and for four units, it is $946,550.
For conventional loans, the maximum amounts for a single-family residence start at $726,200, and for two units, it goes up to $929,850. For three-unit properties, it's $1,123,900, and the limit for four units is $1,396,800.
Our FHA calculator can help you uncover today’s best FHA rates and determine the necessary downpayment, income brackets, credit score requirements, reserves, and documentation for qualification.
With the Lendersa® calculator, you have the ability to compare FHA rates and terms with a spectrum of other loan programs such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently gathers and sorts loan program data from thousands of lenders, ensuring it matches well with your specific financial profile and needs.
Within the Loan Limits Comparison Table for 2026 in Smithfield county of Cache, UT, you can compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximum amounts. To thoroughly analyze qualification criteria like income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $492,200 | $630,100 | $761,650 | $946,550 |
| 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 | $517,000 | $517,000 | $517,000 | $517,000 |
| 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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