Kearns Home LoansFirst Homes, Fixer-Uppers & Investments
First home, fixer-upper or your first rental: Kearns has options for each. We'll compare programs and find the lowest cash to close that fits your budget.
- First-time buyer programs
- Renovation & investor loans
- Fast pre-approval
How much do I need down to buy a home in Kearns?
Often less than you think. FHA loans allow 3.5% down with a 580+ credit score (up to $637,100 in Salt Lake County in 2026), qualifying first-time buyers can put 3% down on a conventional loan, and eligible veterans can buy with $0 down. Down payment assistance can cover part of the rest.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
An attainable place to start building equity
Kearns became a city in 2024 and is home to the Utah Olympic Oval, the speed-skating venue from the 2002 Winter Olympics. Its neighborhoods are mostly modest single-family homes that grew up after World War II, a short drive from Bangerter Highway and the Mountain View Corridor.
Buying an older home? We'll help you weigh a move-in-ready house against a fixer-upper with a renovation loan, comparing the price, repairs and payment side by side.
Kearns at a glance
| Detail | Kearns |
|---|---|
| County | Salt Lake County |
| Area | West Side |
| ZIP code | 84118 |
| Public schools | Granite 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 Kearns buyers use most
Here's how most Kearns buyers finance a first home or a rental.
FHA Loans
3.5% down with a 580+ score, up to $637,100 in Salt Lake County.
Learn moreDown Payment Assistance
Programs that can cover part of your down payment or closing costs.
Learn moreConventional Loans
From 3% down for qualifying first-time buyers.
Learn moreRenovation Loans
Buy an older home and finance the repairs in the same loan.
Learn moreVA Loans
$0 down for eligible veterans and service members.
Learn moreDSCR Investor Loans
Buying a rental? Qualify with the property's rent.
Learn moreSalt Lake 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 Salt Lake County fit under this limit. |
| FHA | $637,100 | 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 Kearns
- Smaller post-war homes can be a great first purchase, and a renovation loan can add updates without draining your savings.
- Salt Lake County has funded down payment help for income-qualified buyers in communities like Kearns through nonprofit partners; funding is limited.
- Condos and townhomes need project approval for FHA and VA loans; we check before you make an offer.
- Ask the seller to help with closing costs. FHA allows seller contributions of up to 6% of the price.
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 Kearns 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 Kearns
Magna
Magna sits at the northwest edge of the valley below the Oquirrh Mountains, with a historic Main Street and the Empress Theatre at its heart.
Learn moreTaylorsville
Taylorsville sits in the heart of the valley, home to Salt Lake Community College's Redwood campus and the Midvalley Express (MVX) bus rapid transit line, which began service in 2026.
Learn moreWest Valley City
West Valley City is Utah's second-largest city, home to the Maverik Center, Valley Fair Mall and the Utah Cultural Celebration Center.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreKearns Home Loan Questions
Yes. Kearns became a city in 2024, when Utah converted its metro townships. It's served by Granite School District and uses Salt Lake County's 2026 limits: $832,750 for conventional and $637,100 for FHA single-family loans.
Often. Utah Housing Corporation offers down payment assistance statewide for qualifying buyers, and its First-Time Homebuyer Assistance Program adds up to $20,000 for newly built homes while funds last. Some cities and nonprofits run their own programs too. We'll check every option you qualify for.
Yes. An FHA 203(k) loan finances the purchase and the repairs in one mortgage with 3.5% down. A conventional renovation loan is another option. We'll compare both for the home you have in mind.
Yes. We're a mortgage broker based in Layton, serving Kearns and communities across Salt Lake County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in Kearns?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.