Whether you’re buying your first home along the Wasatch Front, relocating to Utah’s booming Silicon Slopes tech corridor, purchasing near Hill Air Force Base, buying a Park City ski property, or settling into one of Utah’s fast-growing communities in Washington County or Utah County, understanding your home loan options is the first step toward making a smart financial decision. The Bookspan Baker Team at Keepsake Loans is licensed to serve Utah buyers statewide.
Utah’s mortgage landscape has meaningful county-level variation — 25 of Utah’s 29 counties follow the $832,750 national conforming baseline, while Summit County (Park City) and Wasatch County (Heber City/Midway) carry elevated high-cost limits, with Summit County reaching the national ceiling of $1,249,125. Utah Housing Corporation (UHC) administers the state’s primary DPA programs, including multiple first mortgage products paired with DPA Second loans of up to 6%, plus specialized grants for veterans and law enforcement. Hill AFB in Davis County is one of the most strategically important Air Force bases in the country, home to the F-35A and one of the DoD’s largest logistics complexes.
$832,750 in most counties; $1,249,125 in Summit County; elevated in Wasatch County.
$541,287 in most counties; up to $1,163,800 in Summit County (Park City) and Wasatch County.
Zero down for eligible veterans near Hill AFB (F-35A, Ogden Air Logistics Complex), Dugway Proving Ground, and Utah’s Guard installations. Utah’s Veterans Grant: $2,500 non-repayable.
Above the conforming threshold in Deer Valley, Promontory, Glenwild, Midway, and premium Wasatch Front communities.
Lower your rate, shorten your term, or access Silicon Slopes and Wasatch Front equity.
UHC DPA Second (up to 6% / $27,500), $20K New Construction grant, $2,500 Veterans Grant, $25K Law Enforcement Grant. Local programs in Ogden, West Valley City, Layton, and Tooele County.
Most Utah counties follow the $832,750 national baseline. Summit County (Park City) carries the $1,249,125 national high-cost ceiling. Wasatch County (Heber City/Midway) also carries an elevated limit. UHC’s NoMI and HFA Advantage conventional products pair with DPA Second assistance.
Most counties follow the $541,287 FHA floor. Summit County carries $1,163,800 — one of the highest FHA limits in the Mountain West. Wasatch County and Salt Lake County also carry elevated limits. Pairs with UHC FirstHome and Home Again first mortgages + DPA Second.
Hill AFB is home to the 388th and 419th Fighter Wings (F-35A) and the Ogden Air Logistics Complex — one of the largest industrial employers in the Mountain West. Utah’s Veterans Grant adds a $2,500 non-repayable grant for eligible veterans. Utah offers a military retirement income tax credit on its 4.55% flat income tax.
Park City’s Deer Valley, Promontory, Glenwild, and Canyons Village regularly require Jumbo financing above Summit County’s $1,249,125 ceiling. Salt Lake City’s East Bench, Midway/Heber Valley, Alpine, and Highland are also active Jumbo markets.
Utah homeowners along the Wasatch Front and Silicon Slopes have built meaningful equity. The Bookspan Baker Team provides a full break-even analysis for every refinance. VA IRRRL available for Hill AFB veterans.
UHC’s DPA Second provides up to 6% of the first mortgage ($27,500 max) in Traditional (30-year, rate +1%) or Deferred (0% interest) structures. The $20,000 New Construction Program (SB240, 2023) assists first-time buyers purchasing new homes under $450K. The Veterans Grant is a $2,500 non-repayable grant. The Law Enforcement Grant provides up to $25,000 non-repayable. Local programs in Ogden (Own in Ogden), West Valley City, Layton, and Tooele County add more.
For Wasatch Front retirees with long-held equity, self-employed Silicon Slopes tech professionals and outdoor recreation
entrepreneurs, and investors targeting Park City ski STRs or Moab’s national park gateway, specialty programs often fit better than standard financing.
Most of Utah’s 29 counties follow the $832,750 national baseline. Summit County (Park City) carries the $1,249,125 national high-cost ceiling. Wasatch County also carries an elevated limit. Your Bookspan Baker loan officer can confirm the current limit for your specific county.
Most counties: $541,287 floor. Summit County: $1,163,800. Wasatch County and Salt Lake County also carry elevated limits.
Yes. UHC’s DPA Second provides up to 6% of the first mortgage (max $27,500) in Traditional or Deferred structures. The $20,000 New Construction Program assists first-time buyers on new homes under $450K. Veterans Grant: $2,500 non-repayable. Law Enforcement Grant: up to $25,000 non-repayable.
Yes. Hill AFB is one of the Air Force’s most strategically important installations. Utah’s Veterans Grant ($2,500) stacks on top of the federal VA benefit. Utah offers a military retirement income tax credit on its 4.55% flat income tax.
FHA: 580+ for 3.5% down. UHC programs: 620–660+. Conventional: 620+. Jumbo: 700+.
