FHA Loans
FHA financing for Utah buyers — 3.5% down, flexible credit, mortgage insurance, county loan limits, and how FHA compares to Conventional, VA, and USDA.
FHA guidelines allow a 580 credit score with 3.5% down and 500–579 with 10% down, but Utah lenders add their own overlays on top of those minimums — often landing near 620. This guide separates FHA program floors from lender reality, explains which of your three scores underwriting uses, covers what the file is judged on besides the score, walks through manual underwriting, and lays out the steps that actually move a Utah buyer's qualifying score before application.
Learn how FHA loans work in Utah, who qualifies, required credit scores, minimum down payment, mortgage insurance costs, county loan limits, documentation, timelines, alternatives, and common mistakes — so you can determine whether an FHA loan is the right financing option for your Utah home purchase.