As of 2026, the FHA loan limits in the county of Salt Lake, situated in West-Valley-City, UT, are structured as follows: for a residence accommodating a single family, the cap is $453,100. If the property is designed to house two families, the maximum loan amount increases to $580,050. Moving to homes with three distinct units, the upper limit is $701,150, and for those that can cater to four separate units, the cap is set at $871,350. This tiered approach ensures that different housing needs are met through flexible loan limits.
Conventional loans also feature specific limits, with maximum amounts for single-family homes being $600,300. For dual-family units, the ceiling is $768,500. Properties designed for three families can secure financing up to $928,950, while those accommodating four units can qualify for as much as $1,154,450. These predefined limits help cater to varying residential configurations.
Our FHA calculator is an asset for anyone looking to explore today’s FHA best rates. It helps you calculate the required down payment, identify necessary income levels, assess credit requirements, evaluate reserves, and understand the documentation needed to qualify for a loan. This tool is essential for making well-informed financial decisions when considering FHA loans.
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The Lendersa® calculator is designed to provide an extensive comparison of FHA rates and terms against those offered by other lending programs. It covers Conventional loans, Jumbo loans, VA, USDA, Non-QM, and various hard money loans, giving you a full spectrum of loan products to consider. This comparative analysis helps you choose a loan that complements your financial plans and objectives.
Lendersa® compiles detailed loan program data from a multitude of lenders, integrating it seamlessly with your unique financial profile. This comprehensive data assimilation empowers you to achieve an accurate and quick comparison that suits your exclusive needs.
The Loan Limits Comparison Table for 2026 applicable to West-Valley-City, within Salt Lake, UT, serves as a detailed guide for examining permissible loan amounts across a variety of programs—FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed analysis of qualification requirements such as income, requisite reserves, and credit evaluations, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) offers an invaluable tool. This resource assists you in navigating the eligibility landscape and understanding all the qualifying parameters needed.
| 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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