{"id":85107,"date":"2023-06-29T16:56:11","date_gmt":"2023-06-29T23:56:11","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=85107"},"modified":"2024-01-24T14:31:10","modified_gmt":"2024-01-24T22:31:10","slug":"what-is-a-jumbo-loan-in-utah","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/what-is-a-jumbo-loan-in-utah\/","title":{"rendered":"What is a Jumbo Loan in Utah in 2024?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">For many individuals and families, owning a <a href=\"https:\/\/www.redfin.com\/state\/Utah\" data-wpel-link=\"exclude\">home in Utah<\/a> is a lifelong dream. However, with rising real estate prices, some may find themselves seeking financing beyond the conforming loan limit. This is where <\/span><a href=\"https:\/\/www.redfin.com\/guides\/what-is-a-jumbo-loan\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">jumbo loans<\/span><\/a><span style=\"font-weight: 400;\"> come into play.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-85108\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Utah.jpg\" alt=\"white modern farmhouse in utah\" width=\"1200\" height=\"800\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Utah.jpg 1200w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Utah-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Utah-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Utah-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Utah-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Utah-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Utah-450x300.jpg 450w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">What is a jumbo loan?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A jumbo loan in Utah is a type of mortgage that is used to finance homes that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). Oftentimes, this type of loan is necessary for high-end, luxury homes or homes located in expensive housing markets, like <\/span><a href=\"https:\/\/www.redfin.com\/city\/17150\/UT\/Salt-Lake-City\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Salt Lake City<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"https:\/\/www.redfin.com\/city\/15045\/UT\/Park-Cit\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Park City<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you find yourself in a situation where the home you wish to purchase requires borrowing beyond the conforming loan limit (CLL), then you&#8217;ll need to pursue a jumbo loan. It&#8217;s important for homebuyers to understand the requirements and implications of obtaining a jumbo loan in Utah. For instance, borrowers typically need a higher credit score and a larger down payment to qualify for a jumbo loan.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is the jumbo loan limit in Utah?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In 2024, the conforming loan limit for a single-family home in most U.S. markets is $766,550 However, this limit can be higher in areas where the median home price is significantly above the national average.\u00a0<\/span><\/p>\n<ul>\n<li><b>$766,550 is the conforming loan limit in most Utah counties<\/b><\/li>\n<li><b>$$1,149,825 is the maximum limit in higher-cost counties<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Keep in mind that the amount being borrowed is what determines whether or not you\u2019ll need a jumbo loan, not the price of the home. So, if you were to put $100,000 down on a $780,000 <\/span><a href=\"https:\/\/www.redfin.com\/county\/2901\/UT\/Emery-County\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home in Emery County<\/span><\/a><span style=\"font-weight: 400;\">, the mortgage would be $680,000, which is under the CLL for this area. In this case, your loan wouldn\u2019t be considered a jumbo loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following counties in Utah have a conforming loan limit <\/span><i><span style=\"font-weight: 400;\">beyond <\/span><\/i><span style=\"font-weight: 400;\">$766,550 for 2024:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>County<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>FHFA Conforming Loan Limit<\/strong><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Summit County<\/span><\/td>\n<td>$1,149,825<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Wasatch County<\/span><\/td>\n<td>$1,149,825<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Wayne County<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$997,050<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">For more information on the conforming loan limit in your county, use the <\/span><a href=\"https:\/\/www.fhfa.gov\/DataTools\/Tools\/Pages\/Conforming-Loan-Limit-Map.aspx\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">FHFA map<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What are the requirements for a jumbo loan in Utah?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Borrowers must meet stricter requirements to qualify for a jumbo loan than they would for a conforming loan. The specific requirements can vary from lender to lender, but below are the typical requirements for borrowers seeking a jumbo loan in Utah.<\/span><\/p>\n<p><b>Higher credit score:<\/b><span style=\"font-weight: 400;\"> In order to have your loan application approved for a jumbo loan, most lenders will require a credit score of 720 or higher. While some lenders may be more lenient and accept a score as low as 660, a score below this is generally not accepted. In contrast, a credit score as low as 620 could suffice for a conforming loan with some lenders.<\/span><\/p>\n<p><b>Larger down payment:<\/b><span style=\"font-weight: 400;\"> When applying for a Utah jumbo loan, keep in mind that <\/span><a href=\"https:\/\/www.redfin.com\/guides\/down-payments-and-home-loans\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">down payment<\/span><\/a><span style=\"font-weight: 400;\"> requirements are generally more substantial than for conforming loans. While the specific amount will depend on the lender and the borrower&#8217;s financial situation, many jumbo loan lenders require a down payment of at least 10%, and some require as much as 20% or more.<\/span><\/p>\n<p><b>More assets:<\/b><span style=\"font-weight: 400;\"> Jumbo loan borrowers are typically required to have more assets than those seeking conventional loans. Lenders will review a borrower&#8217;s assets to ensure they have enough liquid assets or savings to cover at least one year of loan payments. This requirement is in place to mitigate the increased risk associated with larger loan amounts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Lower debt-to-income ratio (DTI):<\/strong> For Utah jumbo loans, lenders typically look for a borrower with a <\/span><a href=\"https:\/\/www.redfin.com\/guides\/buy\/calculate-debt-to-income-ratio\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">debt-to-income ratio (DTI)<\/span><\/a><span style=\"font-weight: 400;\"> below 43%. Ideally, a DTI closer to 36% or lower is preferred. The DTI is calculated by dividing the sum of all monthly debt payments by gross monthly income. A lower DTI signifies a borrower&#8217;s ability to manage their current debt load while taking on additional mortgage payments. It also indicates greater financial stability and the ability to make on-time payments towards their jumbo loan.<\/span><\/p>\n<p><b>Additional home appraisals:<\/b><span style=\"font-weight: 400;\"> For a jumbo loan, lenders may require an additional <\/span><a href=\"https:\/\/www.redfin.com\/guides\/home-appraisal-everything-you-need-to-know\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home appraisal<\/span><\/a><span style=\"font-weight: 400;\"> as a second opinion, especially if the property is located in an area with few comparable sales. This is to ensure that the home is worth the loan amount or more and to mitigate the lender&#8217;s risk. The cost of the appraisal may also be higher in housing markets with limited\u00a0 property sales.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s break down what a jumbo loan is in Utah, the 2024 conforming loan limits, and what\u2019s needed to qualify for this type of loan.<\/p>\n","protected":false},"author":523,"featured_media":85108,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[2656],"tags":[34448],"coauthors":[31388],"class_list":["post-85107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local-insights","tag-ut"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is a Jumbo Loan in Utah 2024? 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