West Bountiful Home LoansFrom a Local Mortgage Broker
Looking for space, good schools and a neighborhood you won't outgrow? West Bountiful delivers, and the right financing helps you compete for the home you want.
- Local market know-how
- Conventional & jumbo options
- Fast pre-approval
What loan limits apply to homes in West Bountiful, Utah?
West Bountiful 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
Established neighborhoods with staying power
West Bountiful is a small, quiet city west of Bountiful, known for larger lots and a more open, semi-rural feel, with Legacy Parkway and I-15 close by.
Moving up in West Bountiful? Your current home's equity can do a lot of the work. We'll show you how to use it for your down payment, whether you sell first or buy first.
West Bountiful at a glance
| Detail | West Bountiful |
|---|---|
| County | Davis County |
| Area | South Davis County |
| ZIP code | 84087 |
| 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 West Bountiful buyers use most
West Bountiful buyers and homeowners lean on these programs most.
Conventional Loans
From 3% down for qualifying first-time buyers, with mortgage insurance you can remove later.
Learn moreJumbo Loans
For homes priced above the $832,750 conforming limit.
Learn moreFHA Loans
3.5% down and flexible credit, up to $744,050 in Davis County.
Learn moreRenovation Loans
Buy an older home and finance the updates in the same loan.
Learn moreHELOCs
Already own? Tap your equity without giving up your current rate.
Learn moreVA Loans
$0 down for eligible veterans and service members.
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 West Bountiful
- Larger lots and outbuildings can affect appraisals; tell us early so we choose a lender comfortable with them.
- Thinking of building or expanding? Ask about construction and renovation financing.
- Selling one home and buying another? A HELOC or bridge loan on your current home can cover the down payment so you're not forced into a contingent offer.
- Buying near $832,750? Compare a conforming loan with a larger down payment against a jumbo loan; a small change can keep you under the limit.
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 West Bountiful 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 West Bountiful
Woods Cross
Woods Cross is a compact South Davis city with its own FrontRunner station, quick access to I-15 and Legacy Parkway, and a mix of established neighborhoods and newer townhomes.
Learn moreBountiful
Bountiful is one of Davis County's largest and longest-established cities, with tree-lined streets, foothill neighborhoods overlooking the Great Salt Lake and a quick commute to downtown Salt Lake City.
Learn moreCenterville
Centerville sits between Bountiful and Farmington along the foothills, with Parrish Lane shopping, quick I-15 and Legacy Parkway access, and a mix of established homes and east-bench properties with valley views.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreWest Bountiful Home Loan Questions
Usually, yes. Standard residential loans cover most larger lots. Lenders look closely at acreage and outbuildings, so share the details and we'll match the right lender.
If you love your West Bountiful location, a HELOC or renovation refinance can fund updates without giving up your current mortgage rate. If you need more space than you can add, moving may make more sense. We'll run both scenarios with you.
Often, yes. Depending on your income and equity, you may qualify while carrying both payments, or you can use a HELOC or bridge loan on your current home for the down payment. We'll look at which approach fits.
Yes. We're a mortgage broker based in Layton, serving West Bountiful and communities across Davis County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in West Bountiful?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.