In 2025, the FHA loan limits for Cache County in UT, which includes Wellsville, are defined as follows: $492,200 for a single-family home, $630,100 for a two-unit residence, $761,650 for three-unit properties, and $946,550 for four-unit structures.
For conventional loans, the maximum available amounts are $726,200 for a single-family residence, $929,850 for a duplex, $1,123,900 for a triplex, and $1,396,800 for a four-unit building.
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The Lendersa® calculator provides a comparative analysis of FHA rates and terms against various loan programs. Consider conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans, in addition to FHA.
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Refer to the Loan Limits Comparison Table for 2025 in the Wellsville area within Cache, UT, which compares maximum amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgages (HECM), and hard money loans. To assess qualification criteria such as income, reserves, and credit, use 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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