Today’s Bountiful Mortgage Rates
Mortgage rates as of 8/28/2026
Mortgage rates as of 8/28/2026
Bountiful is one of the oldest settled cities in Utah and it behaves like it. A large share of the housing stock on the bench went up between the 1950s and the 1970s, and a remarkable number of those homes have had one or two owners in their entire history. That single fact drives most of the loan conversations we have in south Davis County. They are not first-time buyer conversations and they are not relocation conversations. They are conversations about a house someone has owned for thirty or forty years and what happens to it next.
Three questions come up over and over. Can I stay in this house without a mortgage payment I can no longer comfortably carry? Can I make this house work for me physically as I get older, without moving? And when my parents are gone, what happens to the mortgage, the title and the two siblings who also have a claim on it? Those are financeable questions, and most of them have better answers than people expect.
A note before you read further: Axent Funding is a mortgage broker. We are not a law firm, an accounting firm or a tax advisor, and nothing on this page is legal or tax advice. Inheritance, trusts, estate distribution and family transfers all sit partly in areas of law we do not practice. We can tell you exactly what a lender will require and how the financing will price, and we will tell you plainly when a question belongs to your attorney or CPA instead. Please confirm the estate and tax side with your own professionals before you sign anything.
Most of what people believe about reverse mortgages comes from television commercials or from something a relative said in 1998, and both are unreliable. Here is the honest version, framed for the situation we actually see in Bountiful: an owner in their late sixties or seventies, thirty-plus years in the same house on or near the bench, either a small remaining mortgage balance or none at all, a fixed income that has not kept pace with insurance and tax increases, and no desire whatsoever to leave.
The Home Equity Conversion Mortgage, or HECM, is the FHA-insured reverse mortgage and it is the product that applies to the overwhelming majority of these files. The youngest borrower must be at least 62. The home must be your principal residence. You remain on title as the owner. The bank does not take your house, and that misconception stops more good candidates than any legitimate drawback does.
Instead of you paying the lender monthly, the balance grows over time as interest and mortgage insurance accrue on whatever you have drawn. There is no required monthly principal and interest payment. The loan becomes due and payable when the last surviving borrower dies, sells the home, or permanently leaves it, the usual trigger being a move into long-term care lasting more than twelve consecutive months.
How much you can borrow, the principal limit: is a function of the age of the youngest borrower, the expected interest rate, and the lesser of your home’s appraised value or the FHA maximum claim amount, which HUD adjusts annually. Older borrowers get more. Lower rates get more. On a Bountiful bench home with substantial equity, the number is often larger than the owner expected, but it is never anything close to the full value of the house, because the loan has to be able to accrue interest for decades and still be covered.
If you still owe on a first mortgage, that payoff is a mandatory obligation and comes out of the proceeds first. For a lot of the owners we work with, that is the entire point: a HECM that retires a remaining $90,000 balance and eliminates a $1,100 monthly payment changes the household budget more than any refinance could. What is left after mandatory obligations is yours to take, subject to a first-year limit, in general you can access no more than 60% of the principal limit during the first twelve months unless your mandatory obligations already exceed that, in which case you get those plus a modest additional allowance.
This is the part that deserves to be in bold, because it is where reverse mortgages go wrong for the people they go wrong for. Having no mortgage payment is not the same as having no obligations. As a HECM borrower you must:
Fail any of those and the loan can be declared in default and, ultimately, foreclosed. That is not a scare tactic; it is the single most common way HECM borrowers lose homes, and it is almost always taxes and insurance rather than anything exotic. If a lender’s financial assessment concludes there is real risk on that front, HUD requires a Life Expectancy Set-Aside, a portion of your principal limit carved out and held back specifically to pay taxes and insurance. It reduces what you can access, and it is protective rather than punitive. If you would struggle to fund taxes and insurance out of your remaining income, tell us at the outset and we will build the set-aside into the plan rather than discovering the problem later.
Before an application can go anywhere, you must complete counseling with an independent HUD-approved reverse mortgage counselor. This is not a formality we can waive and we would not want to. The counselor works for you, not for us, and their job is to review your situation, explain alternatives including simply not doing this, and issue a certificate. Bring a family member if you want one there; most counselors encourage it.
The second protection worth understanding is that a HECM is non-recourse. Neither you nor your heirs can ever owe more than the home is worth at the time the loan is repaid. If the balance has grown past the value of the house, FHA insurance covers the shortfall, and the lender cannot pursue your other assets or your children. When the loan comes due, heirs generally have the option to repay the balance or 95% of the current appraised value, whichever is less, and keep the home, which is exactly how a family keeps a house on Oakhills that has been theirs for two generations. They can also sell, pay off the loan, and keep whatever equity remains. They are given time to do it, with extensions available while a sale is genuinely in progress.
Adjustable-rate HECMs offer a lump sum, a term payment for a set number of months, a tenure payment for as long as you live in the home, a line of credit, or a combination. Fixed-rate HECMs are single-disbursement lump sum only.
The feature that gets the least attention and deserves the most is the growing line of credit. The unused portion of a HECM credit line grows over time at the same rate the loan balance accrues. It is not an investment return and it is not interest paid to you. It is simply an increase in the amount you are allowed to borrow. But the practical effect is real: a line established at 68 and left largely untouched can represent considerably more available credit at 80, at precisely the age when a home health aide or a bathroom remodel becomes the reason you needed it. Unlike a home equity line of credit, it cannot be frozen or reduced because of a decline in property values or a change in your income, as long as you meet the loan’s obligations. For an owner who is fine today but planning for later, opening a HECM line of credit early and drawing nothing is a legitimate strategy.
A reverse mortgage is a poor choice if you are likely to move within a few years, the up-front mortgage insurance premium and closing costs are real and they do not amortize away over a short horizon. It is a poor choice if leaving the house free and clear to your children is your highest priority, because it does the opposite. It is a poor choice if a non-borrowing spouse under 62 is not properly documented as an eligible non-borrowing spouse, which allows them to remain in the home under a deferral period after the borrower dies but requires that it be set up correctly at closing. And it is the wrong tool if what you actually need is $40,000 for a bathroom, in which case a fixed-rate second mortgage or a home equity line is cheaper and simpler. Our reverse mortgage page covers the mechanics in more depth, or call 801-576-9336 and we will run your actual numbers.
The cheapest way to age in place is usually to modify the house you already own rather than buy a different one. Selling a long-held Bountiful home and buying a single-level replacement means agent commissions, moving costs, a new tax basis on a home you did not want, and in many cases a much higher property tax bill than the one you have been paying. Against that, an accessibility renovation is often a fraction of the cost, and it can be financed.
The work we see financed most often on the bench, where split-entries and tri-levels dominate and almost nothing was built with a main-floor primary suite:
Two financing paths cover almost all of it. A renovation loan, FHA 203(k), in its Standard and Limited versions, or a conventional renovation product, underwrites the loan against the after-improved value of the home rather than what it is worth today, and rolls the purchase or existing balance and the rehab budget into one loan. That is powerful when the work is substantial or when the current value will not support the borrowing on its own. The trade is process: a contractor bid package, a HUD consultant on larger 203(k) jobs, draw inspections, and a longer timeline than a plain refinance. The Limited 203(k) has a dollar ceiling on the rehab amount that HUD adjusts periodically, so ask us for the figure in force when you apply rather than trusting an article. Details are on our renovation and remodel loan page.
The second path is simply a fixed-rate second mortgage or a HELOC behind an existing first. For a homeowner with a paid-off or nearly paid-off house and a defined budget, this is usually faster, cheaper to close, and does not disturb a first mortgage you may want to leave alone. And for a borrower over 62 who wants the work done and wants the monthly payment gone, HECM proceeds can fund the renovation directly. Which of the three is right depends on age, existing rate, scope and how long you plan to stay. That is a fifteen-minute phone call, not a form.
A parent dies, the house on Val Verda or Maple Hills goes to the children, and there is still a mortgage on it. The near-universal first fear is that the lender will demand the entire balance immediately because the deed changed hands. In most cases that fear is misplaced, and the reason is a federal statute from 1982.
The Garn-St Germain Depository Institutions Act lists categories of transfer where a lender may not enforce a due-on-sale clause on a residential property of fewer than five dwelling units. Among them is a transfer to a relative resulting from the death of a borrower, where that relative occupies the property. Transfers to a spouse or children, transfers resulting from a decree of dissolution of marriage, and transfers into an inter vivos trust in which the borrower remains a beneficiary are also protected. In plain terms: if you inherit your parents’ Bountiful home and you live in it, the existing mortgage, including whatever rate it carries, can generally continue as it is. On a loan originated when rates were near historic lows, that is frequently the single most valuable asset in the estate, and people give it away by refinancing before anyone tells them.
Protection under the statute does not happen automatically the moment the death certificate is issued. You have to be confirmed by the servicer as a successor in interest, and mortgage servicing rules require servicers to have a process for that and to respond to your inquiry in a defined timeframe. Expect to provide some combination of the death certificate, the will or trust instrument, letters testamentary or letters of administration if the estate is probated, the recorded deed showing how title passed to you, and proof that you occupy the property. Once confirmed, the servicer must give you the loan information and let you apply for loss mitigation even before you formally assume the debt.
Practical advice from having watched this go badly: keep the payments current from day one, even while the estate is unsettled and nobody is sure who owns what. A servicer that has not yet recognized anybody will still report the loan delinquent, and unwinding that later is far harder than making three payments out of the estate account in the meantime. Also keep the hazard insurance in force and get the policy updated to reflect the new owner. A vacant, uninsured inherited home is one claim away from being an expensive problem.
Continuing the loan under Garn-St Germain and formally assuming it are related but not identical. Continuing means the loan stays in place and you pay it; the deceased borrower generally remains the obligor of record until an assumption is processed. A formal assumption puts you on the note as the borrower, which matters if you want the mortgage reporting on your credit, want to be the one negotiating with the servicer, or need the estate closed out cleanly. FHA and VA loans are formally assumable with lender approval and a credit qualification; conventional loans are more limited, though many servicers will process a successor-in-interest assumption after a death without full requalification. Ask the servicer for their written assumption process in writing, and expect it to be slow.
You would refinance instead when the existing rate is high, when the loan needs to be paid off to settle the estate, or when you need to raise cash, most often to buy out a sibling, which is the next section. Do not refinance a 3% inherited mortgage to consolidate a car loan. Come talk to us first; we will tell you when refinancing costs you money, even though refinancing is what we get paid to do.
This is one of the most common transactions in a city like Bountiful and one of the least explained anywhere. Three children inherit the family home. One of them wants to keep it, often the one who already lives nearby, or the one who moved in to care for a parent. The other two want their share in cash. The house has to produce that cash, which means financing.
The critical point, and the reason to talk to a broker rather than a bank branch, is how the transaction gets classified. Handled correctly, a buyout of a co-owner’s interest in an inherited property is frequently eligible to be treated as a limited cash-out (rate-and-term) refinance rather than a cash-out refinance, even though a sibling is walking away with a check. Agency guidelines contemplate exactly this: proceeds used to pay off an existing lien plus buy out the equity interest of a co-owner, pursuant to a written agreement such as an estate settlement or a divorce decree, are not treated as cash in the borrower’s pocket.
Why does the label matter? Because cash-out refinances carry loan-level pricing adjustments that rate-and-term refinances do not, and they are subject to tighter loan-to-value limits. On a $600,000 Bountiful home with a $400,000 loan, the difference between the two classifications is real money on every payment for thirty years. We have seen files priced as cash-out simply because nobody at the lender asked whether an estate distribution agreement existed. It usually did.
Ordinarily, a lender wants you to have owned a property for twelve months before it will base a cash-out refinance on current appraised value rather than your purchase price. Property acquired by inheritance or by legal award is generally treated differently. The current appraised value can be used without that waiting period, because you did not buy it at a negotiated price. That is what makes a prompt buyout possible instead of a year of waiting while siblings get impatient.
Delayed financing covers the other version of this story. Sometimes one sibling pays the others in cash immediately, from savings, from a retirement account, from a hard money loan, to keep the peace or to beat a deadline, and only then thinks about a mortgage. The delayed financing exception allows a cash-out refinance within six months of acquiring a property with cash, up to the documented amount actually paid, without waiting out normal cash-out seasoning. The requirements are strict: the source of the original funds must be documented, the settlement statement must show no mortgage financing was used, and the new loan cannot exceed what you actually put in plus allowable closing costs. If you are considering paying siblings in cash and financing later, call us before the money moves, because whether that path stays open depends on how the payment is documented.
On title: the title company will run the estate, verify the chain from the deceased owner through the estate or trust to the heirs, and confirm there are no unresolved claims, judgment liens, unpaid medical liens or Medicaid estate recovery issues attached to the property. Utah’s probate process is comparatively efficient, but a title problem in an estate can add weeks, so we open title early on these files rather than at the usual point. Again, the estate mechanics belong to your attorney, we are not one, but we have closed enough of these to know where they stall.
The other half of generational transfer is the sale that happens while everyone is still alive. Parents in a Bountiful home they no longer need sell it to a daughter. An aunt sells to a nephew. A family sells to a long-term tenant relative. Lenders call these non-arm’s-length or identity-of-interest transactions, and they are entirely financeable. They simply get more scrutiny, because the parties are not strangers negotiating at market.
A gift of equity is a family seller agreeing to sell below appraised value and treating the difference as a gift to the buyer, which the lender then counts as the buyer’s down payment. No money changes hands for the down payment; the equity in the home substitutes for it. A home appraises at $600,000, the family agrees on a $540,000 sale price, and the $60,000 difference becomes a 10% down payment. The buyer arrives at closing with closing costs and, depending on the program and the size of the gift, potentially nothing else.
The mechanics that must be right:
One thing we cannot advise on and will not pretend to: the federal gift tax reporting consequences for the seller. A gift above the annual exclusion generally requires the donor to file a gift tax return, even when no tax is ultimately owed because of the lifetime exclusion, and there are capital gains and basis questions on the seller’s side that a CPA should look at before the price is set. Ask your accountant. We will structure the loan; they should structure the gift.
Underwriters look harder at family sales for a straightforward reason: the price is not the product of arm’s-length negotiation, so the usual check on value is missing. Expect the appraisal to be reviewed more carefully, sometimes with a second valuation product. Expect questions about whether the buyer has been living in the home and paying rent, and whether that rent was at market. Expect the file to document why the sale price differs from the appraised value. FHA generally limits identity-of-interest transactions to 85% loan-to-value, with an important exception that restores maximum financing when a family member buys another family member’s principal residence, a distinction that decides whether a buyer needs 3.5% down or 15% down, so get it confirmed before you write the contract.
What actually kills these deals is undisclosed side agreements. A parent quietly agreeing to cover the first year of payments, or a handshake that the buyer will repay the gift later, is the kind of thing that surfaces at the worst possible moment. Tell us everything up front. Almost all of it can be structured legitimately; none of it can be structured after it has been concealed.
Estate planning is common among long-tenured Utah homeowners, and a great many Bountiful houses sit in a revocable living trust with the owners as trustees. Clients regularly assume this blocks financing. It generally does not.
Lenders can, and routinely do, lend on property held in a properly drafted revocable inter vivos trust. What underwriting and title will review before approving it:
There are still situations where a property has to come out of trust before closing and go back in afterward. Some lenders and some loan products simply will not accept trust vesting; reverse mortgages have their own trust review standards; and a trust missing the authority to encumber may be easier to work around by deeding the property to the individuals, closing, and re-deeding into the trust than by amending the trust mid-transaction. That round trip is routine, but it must be coordinated with your estate attorney and the title company, and it should be planned at application rather than discovered in underwriting. It also means the property sits outside the trust for a short window, which your attorney may or may not consider acceptable in your circumstances.
Send us a copy of the trust when you start. It takes a lender a day to review it and it prevents the most avoidable delay we see on these files.
The east bench neighborhoods above Orchard Drive and up toward Mueller Park are largely mid-century, built on slope, and now sixty to seventy years into their service life. That produces a recognizable set of appraisal and underwriting issues.
Foundations and drainage on hillside lots. The most consequential item specific to bench property. Homes built into a slope depend on drainage that works, and after decades of settling, regraded yards, added patios and failing footing drains, water does not always go where the original builder intended. Appraisers note foundation cracking, evidence of water intrusion and negative grading, and a serious call generally means a structural engineer’s report before a lender will proceed. That is not automatically a deal killer, an engineer confirming that cracking is cosmetic clears it, but it costs a week or two, so it belongs on the inspection list from the beginning.
Aging mechanical systems. Original furnaces, forty-year-old water heaters, galvanized supply lines, fuse panels and undersized electrical services all show up. Appraisers account for them through effective age and remaining economic life rather than by listing them, but where a system is at end of life or unsafe, FHA and VA minimum property requirements will force repairs before closing. Conventional financing is more forgiving on cosmetics and no more forgiving on safety.
Pre-1978 lead-based paint. Peeling or chipping exterior paint on a home built before 1978 is a standard FHA condition call, and a lot of bench homes qualify. It is cheap to fix and expensive to discover late.
Additions and finished basements without permits. Common in homes that have been owned by one family for decades and improved gradually. An appraiser may decline to give value to unpermitted square footage, which creates a gap between what a family believes the house is worth and what it appraises for, a genuine problem when the appraisal is being used to set a sibling buyout number.
Thin comparable sets. Some bench streets turn over rarely. When the last three sales within a reasonable radius are all substantially remodeled and the subject is original, the appraiser is making larger adjustments than usual, and a value that comes in below expectation is more likely. Build a little room into your assumptions.
None of this makes older Bountiful homes hard to finance. It makes them worth pricing honestly. When a house needs work, a renovation loan that funds the repairs as part of the transaction is usually a better answer than a rate concession.
Whether you are refinancing an inherited home, buying out a sibling or downsizing from the bench to something single-level in West Bountiful or Centerville, these are the figures that govern the file.
| Program | Davis County (Bountiful) | Salt Lake County | Advantage |
|---|---|---|---|
| Conforming, one unit | $832,750 | $832,750 | Same: national baseline |
| FHA, one unit | $744,050 (Ogden MSA) | $637,100 | +$106,950 in Davis |
| Utah Housing FirstHome income, 1-2 person | $141,400 | $126,100 | +$15,300 in Davis |
| Utah Housing FirstHome income, 3+ person | $164,600 | $145,000 | +$19,600 in Davis |
| Utah Housing max purchase price | $778,500 | $666,600 | +$111,900 in Davis |
| 2025 average property tax rate | 1.0108% | 1.0504% | Lower in Davis |
| USDA eligibility | None in south Davis | None | n/a |
2026 conforming limits per FHFA; 2026 FHA limits per HUD Mortgagee Letter 2025-23; Utah Housing FirstHome limits as currently published and subject to change without notice; 2025 county average total rates from the Utah State Tax Commission.
The downsizing implication is worth a paragraph. An owner selling a Bountiful bench home and staying inside Davis County keeps access to the higher FHA ceiling, the higher Utah Housing income and price caps, and the slightly lower average tax rate. The same person crossing into Salt Lake County to be closer to grandchildren gives up all three. That is not a reason to make a housing decision, but it does change the math, and on a marginal qualification it can change the answer. If the household is buying with modest documented income against large sale proceeds, the county line is worth ten minutes of analysis before you start looking.
On property tax specifically: Utah exempts 45% of a primary residence’s market value, so tax is calculated on 55%. At Davis County’s 2025 average total rate of 1.0108%, a $600,000 primary residence runs roughly $3,336 a year, or about $278 a month in escrow, about $130 a year less than the same home in Salt Lake County. Tax areas within Davis County vary, so we use the actual rate for the address when we pre-approve rather than a county average. And note that Utah has nothing like a senior assessment freeze that carries an old valuation to a new home; if you downsize, the new home is taxed at its own market value from the start, though a smaller house usually means a smaller bill.
Utah is an inexpensive state to close in. There is no real estate transfer tax and no documentary stamp tax, recording is a flat per-document fee regardless of whether the home is worth $300,000 or $1.5 million. H.B. 38 in the 2026 legislative session raised recorder fees effective May 6, 2026, putting Davis County at $45 per document. On a sibling buyout or a family transfer where several deeds record, that is a handful of extra dollars, not a percentage of the price.
What actually moves your bottom line is lender fees. Axent Funding has been brokering Utah mortgages since 2002, our fees run roughly 25% below many competitors, and we charge no processing or junk fees. We close in three weeks on a clean file. The things that extend a Bountiful timeline are predictable and mostly not underwriting: HUD counseling scheduling on a reverse mortgage, servicer response time on a successor-in-interest confirmation, an estate that has not finished probate, a trust that needs review or a deed round trip, and engineer reports on hillside foundations. Every one of those is faster if it starts on day one, which is why we ask about them at the first call. Start a free loan inquiry or call 801-576-9336.
We finance homes throughout Bountiful and south Davis County: Bountiful Bench, Oakhills, Maple Hills, Val Verda, Stone Creek, the Orchard Drive corridor, the Mueller Park and Mueller Park Canyon area, downtown Bountiful and the older grid around Main Street, West Bountiful, North Salt Lake, Woods Cross, and out to the Centerville border.
The questions shift by area. On the upper bench, Bountiful Bench, Oakhills, Maple Hills, the streets climbing toward Mueller Park. You get the largest lots, the steepest grades, the oldest owners and the most equity, which is where reverse mortgages, aging-in-place renovations and estate transfers concentrate. Through Val Verda, Stone Creek and the flatter neighborhoods west of Orchard Drive, the housing stock is a little newer and the conversations are more often refinances, second liens and buyouts. West Bountiful, Woods Cross and North Salt Lake bring more first-time buyers and more Utah Housing questions, and their proximity to the freeway makes them the practical downsizing target for people leaving the bench. Anything above $832,750, which the top of the bench does reach, becomes a jumbo conversation.
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Yes, if the youngest borrower is at least 62 and the home is your principal residence. A HECM eliminates the required monthly mortgage payment and you remain on title as the owner. You must still pay property taxes and hazard insurance, pay any HOA dues, maintain the home and live in it, and failing those obligations can put the loan in default. The loan becomes due when the last borrower dies, sells, or permanently leaves the home, typically after twelve consecutive months away. HUD requires independent counseling before you apply.
No. A HECM is non-recourse, so neither you nor your heirs can ever owe more than the home is worth when the loan is repaid, and FHA insurance covers any shortfall. When the loan comes due, heirs can repay the balance or 95% of the current appraised value, whichever is less, and keep the home, or they can sell it, pay off the loan and keep any remaining equity. Lenders must give heirs time to act, with extensions available while a sale is genuinely in progress.
Usually not. The Garn-St Germain Act prevents a lender from enforcing a due-on-sale clause when a residential property of fewer than five units passes to a relative on the death of a borrower and that relative occupies it. The existing mortgage, including its rate, can generally continue. You will need the servicer to confirm you as a successor in interest, which typically requires the death certificate, the will or trust, probate letters if applicable, the recorded deed and proof of occupancy. Keep the payments current and the insurance in force while that is processed.
You refinance the property in your name and use the proceeds to pay each sibling their share. Done correctly this is often treated as a limited cash-out or rate-and-term refinance rather than a cash-out refinance, because the proceeds settle an estate distribution under a written agreement, and that classification prices better and allows a higher loan-to-value. You will need the will or trust, probate letters, a signed estate distribution agreement, the recorded deeds and a current appraisal. Because the property was inherited, the current appraised value can generally be used without a twelve-month ownership seasoning period.
A gift of equity is a family seller selling below appraised value and treating the difference as a gift that counts as your down payment. If the home appraises at $600,000 and the agreed price is $540,000, the $60,000 difference serves as 10% down. You need a signed gift of equity letter stating no repayment is expected, the gift reflected on the sales contract and settlement statement, an appraisal establishing genuine market value, and an eligible family relationship. Non-arm's-length purchases get extra appraisal scrutiny, and the donor should ask a CPA about gift tax reporting.
Generally yes. Lenders routinely lend on property held in a properly drafted revocable living trust where the borrowers are the settlors and primary beneficiaries and the trustee has express authority to encumber trust real property. The lender will review the trust instrument or a certification of trust with all amendments, and title will confirm vesting and signature requirements. Some lenders and some loan products still require the property to be deeded out of the trust before closing and deeded back afterward, which is routine but should be planned with your estate attorney at application.
Three routes. A renovation loan such as an FHA 203(k) or a conventional renovation product underwrites against the after-improved value and finances the work in one loan, which suits larger projects like adding a main-floor primary suite. A fixed-rate second mortgage or a home equity line is faster and cheaper to close for a defined budget and leaves an existing first mortgage untouched. For owners 62 and older, HECM proceeds can fund the work while also removing the monthly mortgage payment. Which one wins depends on your age, your current rate, the scope and how long you plan to stay.
The 2026 conforming limit on a one-unit property is $832,750, the same national baseline that applies in most of Utah. FHA is where Davis County comes out ahead: the Ogden MSA limit of $744,050 applies here, about $107,000 more than Salt Lake County's $637,100. Utah Housing FirstHome caps income at $141,400 for one to two people and $164,600 for three or more, with a maximum purchase price of $778,500, all higher than Salt Lake County. There is no USDA eligibility in south Davis County.
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