Utah Housing eligibility, credit scores, and county income limits.
Utah Housing keeps eligibility straightforward: a credit floor that depends on whether you've owned before, income and price limits that vary by county, and a homebuyer education course. Here's the whole picture.
Utah Housing requirements at a glance
| Requirement | UHC standard |
|---|---|
| Minimum credit score | 660 (first-time) · 620 (repeat buyers) |
| First-time buyer required? | No — repeat buyers are eligible too |
| Income & purchase-price limits | By county & family size (table below) |
| Eligible loan types | FHA, VA (FirstHome / FHA-VA); Conventional (HFA Advantage) |
| DPA Second | Traditional up to 6% · Deferred up to 3.5% · max $27,500 |
| Homebuyer education | Required (UHC-approved) |
| Occupancy | Owner-occupied, 30-year fixed first mortgage |
Income and price limits by Utah county
Utah Housing sets income and maximum purchase price (acquisition cost) limits by county group and family size. Here are the major markets; the full current table lives on the UHC limits page.
| County | Income (1–2) | Income (3+) | Max price |
|---|---|---|---|
| Salt Lake | $126,100 | $145,000 | $666,600 |
| Utah / Juab (Provo) | $143,000 | $166,800 | $769,100 |
| Davis, Weber, Morgan, Summit, Wasatch | $141,400 | $164,600 | $778,500 |
| Washington (St. George) | $118,000 | $135,700 | $635,300 |
| Grand (Moab) | $127,500 | $148,800 | $878,300 |
| Lower-cost counties (Cache, Carbon, others) | $118,000 | $135,700 | $566,300 |
FirstHome limits as verified August 2026 from utahhousingcorp.org/lenders/limits/. Limits change periodically; verify your county's current numbers with us or at the UHC limits page before relying on a figure.
Utah Housing questions
What credit score do I need for Utah Housing?
Utah Housing requires a 660 minimum credit score for first-time homebuyers and a 620 minimum for buyers who have previously owned a home. Because UHC serves both groups, more buyers qualify than under first-time-only programs.
What are the income and purchase price limits for Utah Housing?
They vary by county and family size. For example, in Salt Lake County the FirstHome income limit is $126,100 for 1-2 person households and $145,000 for 3 or more, with a maximum acquisition cost of $666,600. Utah County allows $143,000 / $166,800 and a $769,100 price cap. Check your county's current numbers on the UHC limits page.
Do I have to be a first-time homebuyer in Utah?
No. Utah Housing serves both first-time and repeat buyers. First-time buyers use the FirstHome program with a 660 credit score; repeat buyers use the FHA/VA program with a 620 minimum. Income and purchase-price limits still apply to both.
Not sure if you qualify?
Tell us your county, credit range, and whether you've owned before, and we'll confirm your Utah Housing eligibility in a 20-minute call.