What is the FHA MIP rate in 2026?

FHA MIP in 2026: Upfront 1.75% of loan amount (financeable). Annual MIP 0.55% for loans over 15 years with less than 10% down. On a $532,680 loan, annual MIP is $244/month.

Updated February 2026 • HUD Official Limits

FHA Loan Limits Utah 2026

Q: What is the FHA loan limit in Utah for 2026?

The standard FHA loan limit in Utah for 2026 is $552,000 for a single-family home. High-cost counties may qualify for limits up to $1,149,825. The 2-unit limit is $706,560, 3-unit $855,600, 4-unit $1,065,360.

Q: What is the minimum down payment for an FHA loan in Utah?

The minimum down payment is 3.5% with a 580+ credit score. On the median home price of $485,000, that is $16,975. With a 500-579 credit score, you need 10% down.

Q: What credit score do I need for an FHA loan in Utah?

Minimum 580 for 3.5% down. Scores 500-579 require 10% down. Most FHA lenders in Utah prefer 620+ for the best rates. Current FHA rates average 6%.

Q: Can I use an FHA loan for a multi-family home in Utah?

Yes. FHA loans cover 1-4 unit properties as long as you occupy one unit as your primary residence. The 2026 FHA limit for a 2-unit property in Utah is $706,560, 3-unit $855,600, 4-unit $1,065,360.

Standard FHA limit: $552,000 for a single-family home. FHA rates from 6% with just 3.5% down and 580 credit score.

Standard FHA Limit (2026)

$552,000

Single-family home

Min Down Payment (3.5%)

$19,320

580+ credit score required

Est. Monthly Payment

$3,194/mo

P&I + MIP at 6%

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What Are the FHA Loan Limits in Utah for 2026?

The 2026 FHA loan limit in Utah is $552,000 for a single-family home in standard-cost counties, set by HUD based on local median home prices. The national FHA floor is $498,257 and the high-cost ceiling is $1,149,825. With 3.5% down, you need $19,320 to buy at the limit, with an estimated monthly payment of $3,194/month.

2026 FHA Loan Limits in Utah by Property Type

Property Type	Standard Limit	High-Cost Limit	Min Down (3.5%)
1-Unit (Single Family)	$552,000	$1,149,825	$19,320
2-Unit (Duplex)	$706,560	$1,471,776	$24,730
3-Unit (Triplex)	$855,600	$1,782,229	$29,946
4-Unit (Fourplex)	$1,065,360	$2,219,162	$37,288

Source: HUD/FHA 2026 Mortgagee Letter. High-cost limits apply to designated high-cost counties only. Verify at hud.gov.

FHA Monthly Payment Estimates in Utah

At FHA Limit ($552,000)

$3,194/mo

3.5% down • 6% rate • 30-year • Includes MIP

At Median Home Price ($485,000)

$2,806/mo

3.5% down ($16,975) • 6% rate • Includes MIP

FHA MIP Breakdown (2026):

Upfront MIP (1.75%)$9,322 (financed)

Annual MIP (0.55%)$244/month

MIP DurationLife of loan (<10% down)

FHA vs Conventional in Utah

Factor	FHA	Conventional
Min Down	3.5%	3-5%
Min Credit Score	580	620
Current Rate	6%	6.2%
Loan Limit	$552,000	$766,550
Mortgage Insurance	Life of loan	Removed at 20% equity
DTI Limit	Up to 57%	Up to 45-50%

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Utah FHA Loan Limits FAQ

What is the FHA loan limit in Utah for 2026?

The standard FHA loan limit in Utah for 2026 is $552,000 for a single-family home. High-cost counties may qualify for limits up to $1,149,825. Multi-unit: 2-unit $706,560, 3-unit $855,600, 4-unit $1,065,360.

What is the minimum down payment for an FHA loan in Utah?

Minimum 3.5% with 580+ credit score. On the median home price of $485,000, that is $16,975. With a 500-579 credit score, you need 10% down.

What credit score do I need for an FHA loan in Utah?

Minimum 580 for 3.5% down. Scores 500-579 require 10% down. Most FHA lenders in Utah prefer 620+ for the best rates. Current FHA rates average 6%.

Can I use an FHA loan for a multi-family home in Utah?

Yes. FHA loans cover 1-4 unit properties as long as you occupy one unit as your primary residence. The 2026 FHA limit for a 2-unit property in Utah is $706,560.