Washington Terrace Home LoansFirst Homes, Fixer-Uppers & Investments
Ready to stop paying your landlord's mortgage? Washington Terrace'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 Washington Terrace?
Often less than you think. FHA loans allow 3.5% down with a 580+ credit score (up to $744,050 in Weber 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
Washington Terrace is a small, close-knit city just south of Ogden and South Ogden, with established neighborhoods of single-family homes and easy access to US-89.
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.
Washington Terrace at a glance
| Detail | Washington Terrace |
|---|---|
| County | Weber County |
| Area | Ogden Area |
| ZIP code | 84405 |
| Public schools | Weber 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 Washington Terrace buyers use most
These are the programs that help Washington Terrace buyers get in with the least cash.
FHA Loans
3.5% down with a 580+ score, up to $744,050 in Weber 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 moreWeber 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 Weber 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 Washington Terrace
- Compare FHA and 3% down conventional options; the better fit depends on your credit score and down payment.
- Many homes here are older single-family homes, so a thorough inspection matters.
- 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 Washington Terrace 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 Washington Terrace
Ogden
Ogden is Weber County's largest city and county seat, home to Weber State University, historic 25th Street and Union Station, with mountain trails right out the door.
Learn moreRiverdale
Riverdale sits along the Weber River between Ogden, Roy and South Weber, with the Riverdale Road shopping corridor, quick I-84 and I-15 access and a short drive to Hill Air Force Base.
Learn moreRoy
Roy borders Hill Air Force Base and has its own FrontRunner station, making it one of the most convenient places to live for service members and commuters.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreWashington Terrace Home Loan Questions
Many first-time buyers look in Washington Terrace for its established homes and central location. FHA, 3% down conventional loans and down payment assistance can all help, and we'll compare them for you.
Washington Terrace is in Weber County, where the 2026 single-family limits are $832,750 for conventional loans and $744,050 for FHA loans. VA loans have no limit for borrowers with full entitlement, and loans above $832,750 are jumbo 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. We're a mortgage broker based in Layton, serving Washington Terrace and communities across Weber County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in Washington Terrace?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.