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First-time home buyer programs in Bluffdale, UT

Quick answer

First-time buyers in Bluffdale, UT can use 3%-down conventional loans (up to the $832,750 Salt Lake County conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $652,000 median home, 3% down is about $19,560 and the estimated payment is $4,928/month at 7.18%.

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

Median household income: $122,879; value-to-income ratio 5.31. Bluffdale ranks 6 by home value and 48 by population among 66 places in our UT dataset.

What does a first-time buyer loan cost on a typical Bluffdale home?

ItemBluffdale
Median home value (Census ACS)$652,000
Utah median home value$455,000
Down payment (3%)$19,560
Loan amount$632,440
Estimated monthly payment (PITI + MI)$4,928
Income needed (28% / 36%)$212,000 / $165,000
Salt Lake County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

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 an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Bluffdale?

Bluffdale is in Salt Lake County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $637,100.

The Bluffdale median home value of $652,000 is 43% above the Utah median, and within what the county limit supports.

Which down payment assistance programs can Bluffdale buyers use?

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

First-time buyer loans in nearby cities

RivertonDraperHerrimanLehiSouth JordanSandy

First-time buyer loan FAQs for Bluffdale

On the $652,000 median: 3% conventional ≈ $19,560, 3.5% FHA ≈ $22,820, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Salt Lake County become jumbo loans.

At the $652,000 median value (above the Utah median of $455,000), the estimated payment of $4,928/month at 7.18% needs about $212,000 a year under the 28% housing guideline, or $165,000 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.