Utah jumbo loans: start with the whole picture.

Rate update: $845,000 for eligible Utah loans.

Rate’s updated conforming loan limit is now $845,000 for eligible Utah loans. This lender program update was confirmed by Dan Munford on September 15, 2026. Ask me to confirm how it applies to your property, loan type and closing timeline.

The FHFA table below shows the agency’s published 2026 limits. It is a separate reference from Rate’s current program availability. Higher county limits may also be relevant, and a loan amount alone does not establish eligibility.

FHFA’s published 2026 county limits

Start with the county, the number of units and the amount you intend to borrow. The selected one-unit limits below come from FHFA’s 2026 county table. These published agency limits do not reflect Rate’s $845,000 program update described above. Use the table for county context, then confirm the applicable program with me.

Sources: FHFA: 2026 county loan limits (PDF, page 88)

Build the cash plan before choosing the down payment.

I like to separate three buckets: money for the down payment, money for closing, and money you want available afterward. Putting more down may change the loan options, but it also leaves less cash for moving, repairs or other commitments.

Ask for a written comparison of down-payment choices and the reserve requirement for each available program. Reserves are assets the lender recognizes as available after closing. Eligible account types and the amount required depend on the program; there is no single reserve rule for every jumbo loan.

• Confirm how gifts may be used and whether any borrower contribution is required.
• Discuss a pending home sale before relying on its proceeds.
• Ask how retirement and investment accounts are counted rather than assuming every dollar qualifies.

Complex income deserves an early conversation.

Salary, commissions, business income and distributions can tell different stories. Before making an offer, identify each income source, how long it has been received and what documents support it. A contract and money deposited into an account may be useful evidence, but neither alone establishes qualifying income.

For business owners, start with a document review before moving company funds for closing. We can identify what the lender needs to evaluate and what questions belong with your accountant. Do not assume a personal withdrawal is harmless to business liquidity.

Compare the structure, not just the starting rate.

Ask to see total cash-to-close, the payment, loan costs and reserve requirements for each option. If considering an adjustable-rate loan, ask for its adjustment schedule and payment limits. Choose a structure you can live with if your expected move or refinance does not happen.

For a condo or a second home near Park City, bring the property details early. The intended occupancy and the project itself can affect the financing review. A beautiful listing is only one part of the decision.

Sources: CFPB: Understanding your Loan Estimate

Bring these to our first conversation.

• Property address or target county, occupancy and unit count
• Income sources and available supporting documents
• Asset statements and planned sources of closing funds
• Current housing obligations and any pending sale
• The amount of cash you want to keep after closing

Start with what you know. When documents are needed, use the secure application rather than sending sensitive financial information through email.

Questions I want you to feel comfortable asking.