VA loans in Salt Lake City.
The Salt Lake County figure on this page is a county reference only, not an address-based lookup for Salt Lake City. Confirm the property's county, and which local offices serve the address, before relying on it.
Bolt Home Loans LLC is not currently licensed to originate mortgage loans in this state. This page is provided for educational purposes only. Licensing status can change — verify current authority on NMLS Consumer Access.
Bolt Home Loans LLC cannot quote, originate, or accept a mortgage application in Utah. Verify current authority on NMLS Consumer Access.
Salt Lake County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Salt Lake County (FIPS 49035)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Salt Lake County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Salt Lake City. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionSalt Lake City: building permits use Citizen Access, utility reviews use Public Access
Salt Lake City Building Services says all permit applications can be submitted through the Citizen Access Portal, with staff and computers available at 451 S State Street on weekdays. It notes that many insurance policies require permitted work, and that permits document improvements when a property is sold.
Salt Lake City Public Utilities uses a separate Public Access system for its own permits and dry utility reviews. Projects that need a City building permit must go through Citizen Access instead. Practical step: when researching a Salt Lake City home, ask Building Services for permits and Public Utilities about water or sewer questions. Questions can also be emailed to slcpermits@slc.gov.
Salt Lake County primary residential exemption: 183 days and a 30-day declaration
The Salt Lake County Assessor explains Utah's primary residential exemption, a 45% reduction in taxable value for a dwelling that is someone's primary home for at least 183 consecutive days a year. Only one exemption is allowed per household in Utah, and second homes and vacation rentals do not qualify.
If the County mails a declaration, the owner has 30 days to complete it, or the exemption is removed and proof must be submitted to reapply. The County notes the declaration creates a rebuttable presumption of Utah domicile for income tax. Practical step: respond to any declaration promptly after buying. An owner of several Utah homes can receive the exemption only on units that are a tenant's primary residence.
- FHFA — Conforming loan limit values
- Salt Lake City Building Services — FAQs
- Salt Lake City Public Utilities — Property, Water Agreements, and Records
- Salt Lake County Assessor — File for a Residential Property Exemption
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs explained.
$0 down in Salt Lake City. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of UT veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Salt Lake City, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Salt Lake City purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Salt Lake City — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Salt Lake City is Salt Lake County (FIPS 49035), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Salt Lake City with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Salt Lake City — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.
All of Utah.
Educational guides and 2026 FHFA conforming limit values.