Hyrum Home LoansFor New Homes & Growing Families
Hyrum is filling in fast, with new neighborhoods, parks and schools. A strong pre-approval helps you land the right home, whether it's brand new or a few years old.
- New-construction know-how
- Many lenders, one local contact
- Fast pre-approval
Should I use the builder's lender for a new home in Hyrum?
Not without comparing. Builder incentives can be valuable, but they're sometimes offset by a higher rate or fees. Get a Loan Estimate from a broker too and compare the full cost. In Cache County, 2026 single-family limits are $832,750 for conventional and $541,287 for FHA loans.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
A growing community with room to put down roots
Hyrum is a growing city in southern Cache Valley, home to Hyrum State Park's reservoir and a mix of established neighborhoods and newer subdivisions a short drive from Logan.
First-time buyer? Utah's First-Time Homebuyer Assistance Program can add up to $20,000 toward a newly built home for qualifying buyers, while funds last. We'll check whether it fits alongside your builder's incentives and your loan.
Hyrum at a glance
| Detail | Hyrum |
|---|---|
| County | Cache County |
| Area | South Cache Valley |
| ZIP code | 84319 |
| Public schools | Cache County 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 Hyrum buyers use most
New-construction buyers in Hyrum usually compare these first.
Conventional Loans
Up to $832,750 in Cache County, from 3% down for qualifying first-time buyers.
Learn moreFHA Loans
3.5% down and flexible credit, up to $541,287.
Learn moreConstruction Loans
Building custom? One-time-close loans cover the build and your mortgage.
Learn moreDown Payment Assistance
Programs that can cover part of your down payment or closing costs.
Learn moreVA Loans
$0 down for eligible veterans and service members.
Learn moreJumbo Loans
For larger new homes priced above $832,750.
Learn moreCache 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 Cache County fit under this limit. |
| FHA | $541,287 | 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 Hyrum
- Homes toward the edges of town may be USDA-eligible; we check by address.
- Cache County's FHA limit is $541,287 in 2026.
- Move-in-ready (spec) homes can close faster than a full build; ask the builder which homes will finish within your rate-lock window.
- Builder incentives are worth having, but compare the full cost (rate, fees and credits) against an outside Loan Estimate.
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 Hyrum 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 Hyrum
Paradise
Paradise is a small town in southern Cache Valley, south of Hyrum, with farmland, mountain views and a peaceful, rural setting.
Learn moreAvon
Avon is a small, unincorporated community at the southern end of Cache Valley, south of Paradise, with ranch land and mountain scenery.
Learn moreLogan
Logan is Cache County's largest city and county seat, home to Utah State University, a historic downtown and quick access to Logan Canyon.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreHyrum Home Loan Questions
Many first-time buyers look in Hyrum for its newer homes and small-town setting. FHA (up to $541,287 in Cache County), 3% down conventional and possibly USDA loans may all be options.
Not for a completed home. New homes can be financed with the same programs as resale homes, including FHA, VA and 3% down conventional loans. Builders usually ask for earnest money, and custom builds with a construction loan can require more down.
Rate locks can usually be extended, sometimes for a fee. We track the builder's schedule with you and choose the lock length up front so delays don't catch you by surprise.
Yes. We're a Layton-based mortgage broker licensed throughout Utah, and we work with Cache Valley clients by phone, video and secure online application. You'll have one local loan officer from pre-approval to closing.
Ready to buy in Hyrum?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.