2026 loan limits in Summit County, Utah
In Summit County, a conventional loan up to $1,150,000 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,163,800.
Conforming limit (1 unit)$1,150,000High-cost county
FHA limit (1 unit)$1,163,800High-cost county
Highest price, 20% down, conforming$1,437,500Loan at the limit
Highest price, 3.5% down, FHA$1,206,010Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,150,000 | $1,163,800 |
| 2 units | $1,472,250 | $1,489,900 |
| 3 units | $1,779,600 | $1,800,950 |
| 4 units | $2,211,600 | $2,238,150 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,437,500 in Summit County and stay conforming; with 10% down, about $1,277,778. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $1,206,010.
Questions
What is the 2026 conforming loan limit in Summit County?
$1,150,000 for a one-unit home.
What is the 2026 FHA loan limit in Summit County?
$1,163,800 for a one-unit home.
More for Summit County
2026 limits from HUD’s county files (Heber, Ut). Conforming limits are set by the Federal Housing Finance Agency.