Bear River City, UT 2019 FHA Loan Limits

Last Updated: Wed, January 2, 2019

FHA Loan Limits — Bear River City, UT

$401,350 Single Family
$513,800 Duplex
$621,050 Tri-plex
$771,850 Four-plex

Fannie/Freddie (Conventional) Loan Limits — Bear River City, UT

$484,350 Single Family
$620,200 Duplex
$749,650 Tri-plex
$931,600 Four-plex

HECM Loan Limits — Bear River City, UT

$726,525 All Home Sizes
2019 Utah High Cost Limits

Local Loan Limits — Bear River City, UT

Loan Limit Summary

Limits for FHA Loans in Bear River City, Utah range from $401,350 for single family homes to $771,850 for four-plex. Any apartment with more than 4 units is considered commercial and does not quality for an FHA loan. Conventional Loan Limits in Bear River City are $484,350 for single family homes to $931,600 for 4-unit apartment. The 2019 Home Equity Conversion Mortgage (HECM) limits in Bear River City is $726,525. HECM limit does not depend on the size of the home.

FHA and conventional Loan limits vary based on the number of units or separate apartments on the property. FHA loans are allowed for properties with one to four units. Bear River City has high cost limits to compensate for above average housing prices. Limits in Bear River City are above the 2019 national floor.

FHA Home Appraisal in Bear River City

To see if a home qualifies for an FHA loan, the property must be appraised by an approved FHA appraiser. Find FHA-approved appraisers in Bear River City. If you need a home inspector, click here to find FHA-approved inspectors in Bear River City.

VA Loan Limits in Bear River City

VA Loans are not insured the same way FHA loans are. With VA loans the Department of Veterans Affairs guarantees the loan on the veteran's behalf. But there is still a loan limit. The VA uses the single-unit FHA Loan Limit as its cap on VA Loan Liability. The 2019 VA Loan Limit for Bear River City, UT is $401,350.

To lean more about VA Loans and how to qualify, click here.

Additional Resources

How to qualify for an FHA Loan in Bear River City, Utah?

The minimum loan amount in Bear River City is $5,000 dollars and may go up to $771,850 depending on home size and loan type. In order to qualify for an FHA loan, you must be planning to live in the home. Although a loan can include some renovation costs, FHA loans cannot be used for real estate investments in Bear River City.

Additionally, your loan amount cannot exceed the value of home you are purchasing. Learn more about FHA Loan Requirements.

Cities and ZIP Codes in Box Elder County

The FHA Limits, HECM Loan Limits, and Conforming Loan Limits listed on this page apply to Box Elder County which includes the following cities: Brigham City, Tremonton, Garland, Willard, Corinne, Honeyville, Bear River City, Fielding, Mantua, Plymouth, Portage, Collinston, Riverside, Snowville, Deweyville, Howell, and Park Valley.

Box Elder County loan limits also apply to the following ZIP codes: 84302, 84337, 84312, 84340, 84307, 84314, 84301, 84311, 84324, 84330, 84331, 84306, 84334, 84336, 84309, 84316, and 84329.


Data sourced from the Department of Housing and Urban Development (HUD.GOV). If you notice an error on this page, please contact us.

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