Kaysville Home LoansFrom a Local Mortgage Broker
Kaysville homes don't stay on the market long, and a slow lender can cost you the house. Get a pre-approval you can trust from a broker just up the road in Layton.
- Minutes from our Layton office
- Many lenders, one local contact
- Fast pre-approval
What loan limits apply to homes in Kaysville, Utah?
Kaysville is in Davis County, where the 2026 limits for a single-family home are $832,750 for conventional loans and $744,050 for FHA loans. Loans above $832,750 are jumbo loans, and VA loans have no limit for veterans with full entitlement.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
A great place to put down roots, if your financing keeps up
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. Families move here for the schools, the space and the small-town feel, which is exactly why well-priced homes attract multiple offers.
In a competitive market, the buyers who win are the ones whose financing is solid before they write an offer. As a mortgage broker, we compare programs from multiple lenders, so you're not stuck with one bank's rules, and we keep your agent updated so your offer reads as a sure thing.
Kaysville at a glance
| Detail | Kaysville |
|---|---|
| County | Davis County |
| Area | Central Davis County |
| ZIP code | 84037 |
| 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 Kaysville buyers use most
Kaysville's mix of starter homes, larger family homes and higher-priced properties means no single loan fits everyone.
Conventional Loans
From 3% down for qualifying first-time buyers, with mortgage insurance you can remove later.
Learn moreFHA Loans
3.5% down and flexible credit, up to $744,050 in Davis County.
Learn moreJumbo Loans
For Kaysville homes priced above the $832,750 conforming limit.
Learn moreRenovation Loans
Buy an older Kaysville home and finance the updates in the same loan.
Learn moreDown Payment Assistance
Programs that can cover part of your down payment or closing costs.
Learn moreVA Loans
$0 down for veterans and service members, including Hill AFB families.
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 Kaysville
- Get pre-approved before you tour. Desirable Kaysville listings often draw multiple offers, and sellers favor buyers with a fully reviewed pre-approval.
- Older homes may need updates. A renovation loan can roll repair costs into your mortgage instead of draining your savings.
- Properties with larger lots or acreage can have different appraisal and lender rules. Tell us early so we match you with a lender that handles them well.
- If you're buying near the top of your budget, compare a conventional loan with a jumbo loan. The right choice depends on the price, your down payment and your credit.
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 Kaysville 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 Kaysville
Layton
Layton is Davis County's largest city and our home base, with our office on Heritage Park Blvd.
Learn moreFarmington
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.
Learn moreFruit Heights
Fruit Heights is a small hillside city east of Kaysville, named for the orchards that once covered its bench.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreKaysville Home Loan Questions
Yes. Our office is in Layton, just north of Kaysville, and we help Kaysville buyers and homeowners with purchase loans, refinances and home equity options. You can meet in person, by phone or by video.
Kaysville is in Davis County, where the 2026 FHA limit for a single-family home is $744,050. Higher limits apply to two- to four-unit properties.
Often, yes. Utah down payment assistance programs are available statewide and can usually be paired with FHA or conventional loans, as long as you meet the program's income, credit and price rules. We'll check which ones you qualify for.
A local broker knows the Davis County market, works with the agents you'll meet, and can compare multiple lenders for you. That combination helps you write stronger offers and avoid surprises before closing.
Ready to buy in Kaysville?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.