2026 loan limits in Wayne County, Utah
In Wayne County, a conventional loan up to $997,050 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $997,050.
Conforming limit (1 unit)$997,050High-cost county
FHA limit (1 unit)$997,050High-cost county
Highest price, 20% down, conforming$1,246,313Loan at the limit
Highest price, 3.5% down, FHA$1,033,212Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $997,050 | $997,050 |
| 2 units | $1,276,400 | $1,276,400 |
| 3 units | $1,542,900 | $1,542,900 |
| 4 units | $1,917,450 | $1,917,450 |
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 $1,246,313 in Wayne County and stay conforming; with 10% down, about $1,107,833. 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 $1,033,212.
Questions
What is the 2026 conforming loan limit in Wayne County?
$997,050 for a one-unit home.
What is the 2026 FHA loan limit in Wayne County?
$997,050 for a one-unit home.
More for Wayne County
2026 limits from HUD’s county files (Non-Metro). Conforming limits are set by the Federal Housing Finance Agency.