Veterans with full entitlement have no VA loan limit in Utah. With reduced entitlement, 2026 county limits in Utah range from $832,750 to $1,150,000 (Summit County).
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Utah (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Summit County | $1,150,000 | $1,163,800 |
| Wasatch County | $1,150,000 | $1,163,800 |
| Wayne County | $997,050 | $997,050 |
| Grand County | $839,500 | $839,500 |
| Beaver County | $832,750 | $541,287 |
| Box Elder County | $832,750 | $541,287 |
| Cache County | $832,750 | $541,287 |
| Carbon County | $832,750 | $541,287 |
| Daggett County | $832,750 | $541,287 |
| Davis County | $832,750 | $744,050 |
| Duchesne County | $832,750 | $541,287 |
| Emery County | $832,750 | $541,287 |
| Garfield County | $832,750 | $541,287 |
| Iron County | $832,750 | $541,287 |
| Juab County | $832,750 | $601,450 |
| Kane County | $832,750 | $541,287 |
| Millard County | $832,750 | $541,287 |
| Morgan County | $832,750 | $744,050 |
| Piute County | $832,750 | $541,287 |
| Rich County | $832,750 | $579,600 |
| Salt Lake County | $832,750 | $637,100 |
| San Juan County | $832,750 | $541,287 |
| Sanpete County | $832,750 | $541,287 |
| Sevier County | $832,750 | $541,287 |
| Tooele County | $832,750 | $637,100 |
| Uintah County | $832,750 | $541,287 |
| Utah County | $832,750 | $601,450 |
| Washington County | $832,750 | $607,200 |
| Weber County | $832,750 | $744,050 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Frequently asked questions
Is there a VA loan limit in Utah?
Veterans with full entitlement have no VA loan limit in Utah. With reduced entitlement, 2026 county limits in Utah range from $832,750 to $1,150,000 (Summit County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.