During 2026, the FHA loan limits set for the St.-George area within Washington, UT, are structured to cater to various housing arrangements. For single-family dwellings, the maximum loan amount is $414,000. If you're considering purchasing or refinancing a property that includes two units, the limit expands to $530,000. Properties designed to accommodate three separate households can go up to $640,650, whereas buildings with four units have a cap of $796,150. This tiered system is designed to address the needs of different property types efficiently.
When it comes to conventional loans, these too have distinct maximum borrowing limits based on the number of units within a property. For a single-family home, the cap is $548,250. If your real estate comprises two units, the limit increases to $702,000, three-unit properties are eligible for loans up to $848,500, and for four-unit structures, the maximum extends to $1,054,500. These limits allow for flexibility and enhanced support for varied real estate investments.
Make use of our FHA calculator to access today’s outstanding FHA rates. This tool will guide you through calculating the necessary down payment, evaluating your income situation, checking creditworthiness, assessing your reserves, and gathering the necessary documentation for the loan qualification process. It is an invaluable asset for preparing your financial plan.
The Lendersa® calculator is a highly effective tool, allowing you to compare and contrast FHA loan rates and terms against an extensive array of other loan programs. Whether you are exploring the possibilities with Conventional loans, Jumbo loans, VA, USDA, Non-QM (Non-Qualified Mortgage), or hard money loans, this tool provides critical insights into what options can best serve your financial goals.
Lendersa® offers a streamlined process by sourcing and simulating real-time loan data from thousands of nationwide lenders. It aligns this data with your specific financial profile swiftly and effectively, allowing you to make informed decisions that are best suited to your individual financial landscape.
Our Loan Limits Comparison Table for 2026, specifically tailored for properties in St.-George, within Washington, UT, provides a detailed analysis of maximum loan amounts available across multiple loan types, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Additionally, to effectively analyze qualification requirements such as income levels, reserves, and credit history, you can utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™), which ensures you meet all essential requirements with ample preparation.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $414,000 | $530,000 | $640,650 | $796,150 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $331,200 | $331,200 | $331,200 | $331,200 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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