We’ll work hard to get you the financing you need!
An FHA home loan is one of the most accessible programs available to
borrowers! It’s a common misconception that you must have top notch credit to be able to own a home. UFirst
Credit Union is here to help you fulfill your dream of owning a home.
Get Pre-qualified Speak
with a Mortgage Consultant MLS Home Search
What is an FHA Home Loan?
Did you know there are a wide variety of programs available to borrowers to help them buy a home? FHA loans
are mortgages insured by the Federal Housing Administration, which is part of the U.S. Department of Housing
and Urban Development (HUD). FHA mortgage loans offer benefits such as:
- Less prohibitive credit requirements
- Smaller down payment
- Lower closing costs
- Friendlier debt ratios
- Potentially better interest rates
This loan is ideal for borrowers with less than excellent credit and is easier to qualify for.
UFirst offers competitive rates for FHA loans in Utah, so you can buy your dream home!
MLS Home Search
Is The FHA Home Loan Right For You?
FHA loans are a great opportunity for a wide variety of homebuyers to buy a home. With non-traditional credit
scores accepted, fixed and variable rates, and competitively priced down payment options, UFirst Credit Union
has what you need to get qualified. To learn more about your options and see if an FHA loan is right for you,
contact one of our Mortgage Consultants!
Apply Now For An FHA Loan
FHA Loan Requirements in Utah
If your FICO score is between 500 and 579, you'll need a 10% down payment - If your FICO score is at least
580, you'll need a 3.5% down payment - Debt-to-Income Ratio of less than 43% - Steady income and proof of
employment up to at least two years. Employment does not need to be consecutive. - The home must your primary
What is the FHA loan limit in Utah?
Here in Utah the FHA loan limit for a single-family home has increased up to $356,362 and $817,650. This all
various depending on the county. Some higher-cost areas might be able to qualify for more on a loan. While the
lower loan amount applies to less expensive rural areas.
- Beaver County - $356,362
- Box Elder County - $646,300
- Cache County - $356,362
- Carbon County - $356,362
- Daggett County - $356,362
- Davis County - $646,300
- Duchesne County - $356,362
- Emery County - $356,362
- Garfield County - $356,362
- Grand County - $356,362
- Iron County - $356,362
- Juab County - $439,300
- Kane County - $356,362
- Millard County - $356,362
- Morgan County - $646,300
- Piute County - $356,362
- Rich County - $374,900
- Salt Lake County - $453,100
- San Juan County - $356,362
- Sanpete County - $356,362
- Sevier County - $331,760
- Summit County - $817,650
- Tooele County - $453,100
- Uintah County - $356,362
- Utah County - $439,300
- Wasatch County - $817,650
- Washington County - $414,000
- Wayne County - $356,362
- Weber County - $646,300