VA Loan Limits in Utah (2026)
For 2026, the VA county loan limit for most Utah counties is $832,750 for a single-family home — but only for veterans with partial entitlement. 1 higher-cost Utah county goes above that, up to $1,249,125.
With full VA entitlement, there is no loan limit in Utah — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Utah
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Salt Lake County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Weber County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Utah County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Davis County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cache County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Tooele County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Box Elder County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Iron County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wasatch County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Uintah County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Sanpete County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Sevier County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Carbon County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Duchesne County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| San Juan County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Washington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Summit County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
Utah's median home price is roughly $530,000. With $0 down and no PMI, an example VA payment near that price is about $3,702/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Utah
The VA home-loan benefit lets eligible Utah veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Utah for 2026?
- With full entitlement, none. For partial entitlement, most Utah counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Utah require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.