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Jumbo loans in Utah

Quick answer

Jumbo loans in Utah are needed for loan amounts above $832,750 (higher in designated high-cost counties) and typically require 10%–20% down and 700+ credit.

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

Jumbo loan snapshot for Utah

ItemEstimate
Minimum down payment10%–20%
Minimum credit score700+
Typical UT home value$455,000
3.5% down on typical home$15,925
20% down on typical home$91,000
Avg. effective property tax0.53%/yr (~$201/mo)
Income for typical home (31% rule)$137,000

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

Which Utah programs pair with Jumbo loans?

  • FirstHome: Loans for first-time buyers with income and price limits.
  • HomeAgain: Assistance for first-time and repeat buyers as a second mortgage.

Details and current limits: Utah Housing Corporation.

Jumbo loan requirements

  • Credit: 700–720 minimum at many lenders.
  • DTI: often 43% or lower.
  • Reserves: 6–12+ months of principal, interest, taxes and insurance.
  • Full documentation; sometimes two appraisals for very large loans.

Alternatives to a jumbo loan

Some buyers use a 'piggyback' structure — a conforming first mortgage plus a second loan — to avoid jumbo requirements. A larger down payment that brings the loan under the conforming limit is another option.

Jumbo loans in Utah cities

Jumbo in SandyJumbo in LehiJumbo in South JordanJumbo in MillcreekJumbo in HerrimanJumbo in DraperJumbo in RivertonJumbo in Saratoga SpringsJumbo in SyracuseJumbo in Cottonwood HeightsJumbo in KaysvilleJumbo in HolladayJumbo in WashingtonJumbo in FarmingtonJumbo in West HavenJumbo in HighlandJumbo in BluffdaleJumbo in VineyardJumbo in MapletonJumbo in LindonJumbo in Pleasant ViewJumbo in Alpine

Frequently asked questions

Yes. Jumbo loans are available statewide in Utah through approved lenders, subject to county loan limits where they apply.

Often yes. Utah Housing Corporation and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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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.