Taylorsville Home LoansFirst Homes, Fixer-Uppers & Investments
Ready to stop paying your landlord's mortgage? Taylorsville's established neighborhoods offer a realistic path to your first home, and we'll show you exactly what it takes.
- First-time buyer programs
- Renovation & investor loans
- Fast pre-approval
How much do I need down to buy a home in Taylorsville?
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
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. Its neighborhoods are mostly established single-family homes with quick access to I-215 and Bangerter Highway.
For most first-time buyers, the biggest hurdle isn't the payment, it's the cash to close. We stack the tools available, from low-down-payment loans to assistance programs and seller credits, so you know your real number.
Taylorsville at a glance
| Detail | Taylorsville |
|---|---|
| County | Salt Lake County |
| Area | West Side |
| Common ZIP codes | 84118, 84119, 84123, 84129 |
| 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 Taylorsville buyers use most
These are the programs that help Taylorsville buyers get in with the least cash.
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 Taylorsville
- Homes near SLCC's Redwood campus can make solid rentals; DSCR loans qualify on the rent.
- Comparing Taylorsville with West Valley City or Murray? One pre-approval covers them all.
- 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 Taylorsville 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 Taylorsville
West 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 moreKearns
Kearns became a city in 2024 and is home to the Utah Olympic Oval, the speed-skating venue from the 2002 Winter Olympics.
Learn moreMagna
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 moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreTaylorsville Home Loan Questions
Many first-time buyers look in Taylorsville for its central location and established homes. FHA loans (up to $637,100 in Salt Lake County in 2026), 3% down conventional loans and down payment assistance can all help, and we'll compare them for you.
FHA allows 3.5% down with a 580+ score, and many conventional programs start around 620. A higher score can lower your payment, so we'll check whether a few quick fixes are worth it before you apply.
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. We're a mortgage broker based in Layton, serving Taylorsville 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 Taylorsville?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.