VA Loan Limits in Summit County, Utah (2026)
In Summit County — anchored by Summit County — the 2026 VA county loan limit is $1,249,125 for a single-family home. As a high-cost county, that runs above the $832,750 national baseline.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
Buying in Summit County with a VA loan
A VA buyer near Summit County can put $0 down on a $1,200,000 home. Add the one-time funding fee (~$25,800, financed), skip mortgage insurance entirely, and the monthly cost runs about $8,234 at 6.25%.
$0-down VA payment scenarios in Summit County
VA payments in Summit County at three price points — all $0 down with the funding fee rolled in:
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $864,000 | $0 | $5,961 |
| Local median — $1,200,000 | $0 | $8,234 |
| Higher-end — $1,620,000 | $0 | $11,075 |
Estimates include the financed funding fee plus Utah property taxes and insurance — but no monthly mortgage insurance, because VA loans never charge it. Rates move daily near Summit County too — get alerts.
VA multi-unit limits in Summit County
Thinking multi-unit near Summit County? VA allows up to $1,599,225 on a duplex and $2,402,475 on a fourplex in Summit County for partial-entitlement borrowers — and owner-occupants still put nothing down.
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Frequently Asked Questions
- What is the VA loan limit in Summit County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Summit County is $1,249,125 (one unit), $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Summit County?
- Eligible veterans can buy with no down payment at all. On a median $1,200,000 Summit County home that is $0 down, with a one-time funding fee of about $25,800 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Summit County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is Summit County a high-cost VA county?
- Yes — Summit County's partial-entitlement limit of $1,249,125 is above the $832,750 national baseline.