FHA Home Loans in Utah
3.5% Down. Flexible Credit. A Licensed Utah Expert in Your Corner.
FHA loans are one of the most flexible home loan programs available, and Utah buyers use them every day to get into their first home, refinance, or renovate. I help you understand your numbers, compare your options, and take the next step with confidence.
2 minutes. No commitment. Clear next step.
⭐️ 5.0 on Google Reviews | NMLS #133605 | 30 Years Experience | Licensed in Utah
3.5%
Down Payment
580
Minimum Credit Score
Affordable
Competitive Interest Rates
$621,900
FHA Loan Limit (SL County)
Start Here. Pick your FHA path.
Choose the goal that matches your situation. I’ll show rules, costs, and what to do next.
FHA’s low down payment and flexible credit make homeownership possible. Get pre-qualified!
Tap the equity you’ve built. Use cash for home improvements, debt payoff, or life expenses.
Already have an FHA loan? The Streamline Refi can reduce your rate with minimal paperwork.
Buy a fixer-upper and finance repairs in one simple loan with the FHA 203(k) program.
Do you qualify for an FHA loan? Start here.
Most Utah buyers are surprised by how accessible FHA loans actually are.
Here are the core requirements, and where a little flexibility goes a long way.
- 580+ credit score: 3.5% down payment (e.g., $14,875 on a $425,000 home)
- 500–579 credit score: 10% down payment required
- 100% of your down payment can come from gift funds or down payment assistance
- No income limits — FHA is based on your debt-to-income ratio, not your earnings
- 2-year work history required (school or military service may count)
- Self-employed, W-2, or 1099 — all accepted with proper documentation
- Housing payment: up to 46.9% of gross monthly income
- Total monthly debts: up to 56.9% of gross monthly income
- Must be your primary residence (move in within 60 days of closing)
- Home must meet the FHA minimum property standards via an FHA appraisal
- Single-family, condos, townhomes, and 2–4 unit properties are all eligible
What Does an FHA Loan Payment Look Like in Utah?
Here’s a real-world example based on a Utah home purchase.
Your numbers will vary by price, credit score, and rate, but this gives you a clear starting point.
Loan Assumptions
Purchase Price: $450,000
Down Payment: 3.5% ($15,750)
Loan Amount: $434,250
Credit Score: 640
Interest Rate: 6.25% (example only)
Estimated Monthly Payment
Principal & Interest: $2,974
Monthly MIP: $199
Property Taxes: $280
Homeowners Insurance: $100
Estimated Total: $3,553/mo
Disclaimer: Example only. Actual rates, taxes, and insurance will vary. Contact us for a personalized quote
Victor’s Promise: “You will get a straight answer and a clear plan. And if FHA is not your best move, I will tell you that too.”
Your Utah FHA Mortgage Expert
Victor Emmel
Mortgage Loan Officer | NMLS #133605
I’m Victor Emmel, a licensed Utah Mortgage Loan Advisor (NMLS #133605) with over 30 years of experience helping buyers use FHA loans to get into homes they love. I’ve worked with first-time buyers, credit-challenged borrowers, investors, and families navigating divorce or major life changes.
I make FHA simple. I explain the rules in plain English. I show you the real costs. I compare FHA to conventional when it matters. Then I map out the cleanest next step based on your goals, your timeline, and your numbers.
Credentials
- Licensed Mortgage Loan Officer — Utah
- NMLS #133605 | Coast2Coast Mortgage NMLS #376205
- Certified Mortgage Planner Specialist (CMPS)
- Mortgage RCS-D™ — Divorce Mortgage Specialist
- 30+ Years in Mortgage Lending
- ⭐ 5.0 Google Rating
FHA Loan Programs Available in Utah
The most common FHA loan. Buy a home with as little as 3.5% down and a 580+ credit score. Available for single-family homes, condos, townhomes, and 2–4 unit properties throughout Utah.
Already have an FHA loan? Reduce your rate and monthly payment with minimal paperwork and no appraisal required in most cases. Available after 6 months of on-time payments.
Access the equity in your Utah home. Use cash for home improvements, debt consolidation, or major expenses. Requires at least 20% equity after the cash-out.
Buy a fixer-upper and finance the repairs in one loan. The 203(k) Limited covers updates up to $35,000. The 203(k) Standard handles major structural work with no cap.
Many Utah buyers pair their FHA loan with a state or local DPA program, in some cases, covering the full 3.5% down payment plus closing costs. Ask us about programs available in your area.
2026 FHA Loan Limits in Utah
FHA loan limits are set by county and updated each year. Here are the 2026 limits for the most common Utah counties:
County | 1-Unit Limit | 4-Unit Limit |
Salt Lake County | $621,900 | $1,194,750 |
Utah County | $621,900 | $1,194,750 |
Davis County | $621,900 | $1,194,750 |
Weber County | $541,287 | $1,041,125 |
Washington County | $541,287 | $1,041,125 |
Source: HUD.gov 2026 FHA loan limits. Limits subject to change. Verify current limits at hud.gov.
FHA Loan Questions Answered
You need a minimum 580 credit score to qualify for FHA’s 3.5% down payment option. Scores between 500–579 may still qualify with a 10% down payment. Some lenders add their own overlay requirements of 620+. Our FHA Experts works with a range of lenders to match you with the best fit for your score.
The minimum down payment is 3.5% of the purchase price for borrowers with a 580+ credit score. On a $400,000 home, that’s $14,000. The full down payment can come from gift funds, a family member, or an approved Utah down payment assistance program, so you may need little to no cash out of pocket.
The 2026 FHA loan limit for Salt Lake County is $621,900 for a single-family home. This is above the national baseline of $541,287 because Salt Lake County is designated a high-cost area by HUD.
Yes. FHA loans are available statewide, Salt Lake City, Provo, Ogden, St. George, and everywhere in between. The loan limit varies by county, but the program itself is available anywhere in Utah through an FHA-approved lender.
Most FHA purchases close in 30 days from application. Our team works to keep things moving with proactive communication, thorough pre-approval, and close coordination with the title company and listing agent.
Yes, in most cases. FHA requires a 2-year waiting period after a Chapter 7 bankruptcy discharge and a 3-year waiting period after a foreclosure or short sale. Chapter 13 filers may qualify after 12 months of on-time plan payments with court approval.
Ready to Take the Next Step?
Whether you’re buying your first Utah home, refinancing to lower your payment, or exploring your options, I’ll give you a straight answer and a clear plan. No pressure. No confusion. Just a real conversation about what makes sense for you.