Layton, UT loan limits: 2026 conforming and FHA context

Layton, UT is connected to Davis County for this 2026 source comparison. For the decision at hand, the published one-unit conforming limit is $832,750, while the published one-unit FHA limit is $744,050. Those figures organize different program categories; $832,750 is not a conventional loan offer, and $744,050 is not an FHA eligibility finding. For Layton, UT, starting with Davis County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in Layton, UT still need to confirm the selected property's location and legal unit count, because the relevant Davis County row follows the property in place of the city label or mailing address alone. Around Layton, UT, mailing cities and ZIP codes can cross county boundaries, so the official property jurisdiction should be verified instead of inferred from a familiar place name. Keep Davis County as Layton, UT's confirmed county row before comparing the $832,750 and $744,050 program boundaries.

Davis County's conforming limit rises from $832,750 for one unit to $1,601,750 for four units, while the FHA figures move from $744,050 to $1,430,900. The higher $1,601,750 and $1,430,900 amounts apply to the published four-unit category; they do not apply to a one-unit home merely because a borrower wants a larger loan. In Layton, UT, a legal unit count should be verified from reliable property information before a multi-unit limit is used. For borrower planning, the $1,601,750 and $1,430,900 ceilings do not resolve occupancy, appraisal, rental-income treatment, reserves, or other multi-unit program rules, so the amount in the table is only one part of the product discussion.