Farmington Home LoansFrom a Local Mortgage Broker
Farmington has everything: Station Park, FrontRunner, mountain views and some of Davis County's most sought-after neighborhoods. Make sure your financing is as strong as your offer.
- Davis County specialists
- Conventional & jumbo options
- Local, responsive service
What loan limits apply to homes in Farmington, Utah?
Farmington is in Davis County, where the 2026 single-family limits are $832,750 for conventional loans and $744,050 for FHA loans. Many Farmington homes are priced above the conforming limit, so buyers often compare conventional and jumbo financing.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
Davis County's county seat, and one of its most popular places to live
Farmington is the county seat of Davis County and home to Station Park, a shopping and dining center with its own FrontRunner station, plus Lagoon amusement park. Easy access to Salt Lake City and the mountains makes it a favorite for commuters and growing families alike.
That popularity shows up in prices. Many Farmington buyers land near or above the conforming loan limit, where the difference between a conventional and a jumbo loan can mean thousands of dollars. As a broker, we compare both across multiple lenders and show you the numbers side by side.
Farmington at a glance
| Detail | Farmington |
|---|---|
| County | Davis County |
| Area | Central Davis County |
| ZIP code | 84025 |
| Public schools | Davis School District |
| Your loan officer | Kenny Farshchian, NMLS #1639863 · call or text (385) 758-5247 |
ZIP codes and school boundaries don't always follow city lines; confirm a specific address with your agent, the county or the school district.
Loans Farmington buyers use most
Higher price points and new construction make these the most common fits in Farmington.
Jumbo Loans
For homes above $832,750, with options for strong-credit buyers.
Learn moreConventional Loans
Up to $832,750 in Davis County, with removable mortgage insurance.
Learn moreConstruction Loans
Building in Farmington? One-time-close options cover the build and the mortgage.
Learn moreFHA Loans
3.5% down for townhomes and starter homes up to $744,050.
Learn moreHELOCs
Already own in Farmington? Tap your equity without giving up your current rate.
Learn moreVA Loans
$0 down for eligible veterans, with no limit for full entitlement.
Learn moreDavis County loan limits for 2026
These limits apply to single-family homes. Loans above the conforming limit are jumbo loans.
| Loan type | 2026 limit (1 unit) | What it means |
|---|---|---|
| Conventional (conforming) | $832,750 | Most homes in Davis County fit under this limit. |
| FHA | $744,050 | 3.5% down with a 580+ credit score. |
| VA | No limit with full entitlement | $0 down for eligible veterans and service members. |
| Jumbo | Above $832,750 | Higher-priced homes; stronger credit and reserves. |
Sources: FHFA 2026 conforming limits and HUD 2026 FHA limits. Limits change each January.
What to know before you buy in Farmington
- Price near $832,750? Ask us to compare a conforming loan with a larger down payment against a jumbo loan. Sometimes a small change keeps you under the limit.
- Buying a townhome or condo near Station Park? FHA and VA loans require the project to be approved, so we check that before you make an offer.
- New-construction builders often offer incentives for using their preferred lender. Compare the full cost, not just the incentive, before you decide.
- Jumbo loans usually need stronger credit and several months of cash reserves, so start gathering statements early.
Three steps to your keys
- 01
Get a real pre-approval
Share your income and assets once. We compare loan options from multiple lenders and tell you exactly what you can afford, usually within 24 to 48 hours.
- 02
Shop with confidence
Make offers in Farmington with a pre-approval letter local agents trust, and a loan officer who answers the phone when your agent calls.
- 03
Close on time
We manage appraisal, underwriting and title, and keep you and your agent updated at every step until you get the keys.
We also serve cities near Farmington
Fruit Heights
Fruit Heights is a small hillside city east of Kaysville, named for the orchards that once covered its bench.
Learn moreKaysville
Kaysville sits between Layton and Farmington, with established neighborhoods, newer subdivisions on the edges of town, a historic Main Street and Davis Technical College's main campus.
Learn moreLayton
Layton is Davis County's largest city and our home base, with our office on Heritage Park Blvd.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreFarmington Home Loan Questions
Yes. We're a Layton-based mortgage broker serving all of Davis County, including Farmington. We help with purchase loans, jumbo loans, new construction, refinances and HELOCs.
Only if your loan amount is above $832,750, the 2026 conforming limit in Davis County. Many Farmington buyers fall under that limit with their down payment; others use a jumbo loan. We'll show you both options.
It's worth comparing. Builder incentives can be valuable, but they're sometimes offset by a higher rate or fees. Get a Loan Estimate from us too and compare the full cost before you choose.
Yes, if the project is FHA-approved and the price fits the $744,050 Davis County limit. We check project approval before you write an offer so there are no surprises.
Ready to buy in Farmington?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.