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FHA loans in American Fork, UT

Quick answer

The 2026 FHA loan limit in American Fork, UT (Utah County) is $601,450 for a single-family home, enough for a purchase price up to about $623,000 with 3.5% down. On the $467,900 median home value, that down payment is about $16,377 and the estimated payment is $3,618/month at 7.18%, which needs roughly $156,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $95,823; value-to-income ratio 4.88. American Fork ranks 31 by home value and 30 by population among 66 places in our UT dataset.

What does an FHA loan cost on a typical American Fork home?

ItemAmerican Fork
Median home value (Census ACS)$467,900
Utah median home value$455,000
Down payment (3.5%)$16,377
Loan incl. 1.75% upfront MIP$459,425
Estimated monthly payment (PITI + MI)$3,618
Income needed (28% / 36%)$156,000 / $121,000
Utah County 2026 FHA limit (1 unit)$601,450
Max purchase price at the limit$623,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Utah's 0.53% effective property tax rate (Census ACS), $1,107/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in American Fork?

American Fork is in Utah County where HUD's 2026 one-unit FHA limit is $601,450. With the minimum 3.5% down, that caps the purchase price at about $623,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The American Fork median home value of $467,900 is 3% above the Utah median, and within what the county limit supports.

Which down payment assistance programs can American Fork buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

FHA loans in nearby cities

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FHA loan FAQs for American Fork

American Fork is in Utah County, where HUD's 2026 FHA limit for a one-unit home is $601,450. With 3.5% down, that supports a purchase price up to about $623,000.

3.5% of $467,900 is about $16,377 with a 580+ credit score (10%, or $46,790, with a 500–579 score), plus closing costs.

At the $467,900 median value (close to the Utah median of $455,000), the estimated payment of $3,618/month at 7.18% needs about $156,000 a year under the 28% housing guideline, or $121,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.