West Valley City Home LoansFirst Homes, Fixer-Uppers & Investments
West Valley City offers some of the area's most attainable homes, which makes it a smart first step into homeownership. The right loan can turn your monthly rent into equity.
- First-time buyer programs
- Renovation & investor loans
- Fast pre-approval
How much do I need down to buy a home in West Valley City?
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
West Valley City is Utah's second-largest city, home to the Maverik Center, Valley Fair Mall and the Utah Cultural Celebration Center. The TRAX Green Line serves West Valley Central, and established neighborhoods offer some of the county's most attainable single-family homes.
Many West Valley City buyers are purchasing their first home, fixing up an older one or adding a rental. We compare FHA, conventional, renovation and investor loans so you know exactly what it takes to get in.
West Valley City at a glance
| Detail | West Valley City |
|---|---|
| County | Salt Lake County |
| Area | West Side |
| Common ZIP codes | 84119, 84120, 84128 |
| 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 West Valley City buyers use most
First-time buyers, fixer-uppers and investors all find options here.
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 West Valley City
- West Valley City works with CBC Mortgage Agency's Chenoa Fund on down payment assistance; ask us whether it fits your loan.
- Many homes here are decades old, so a careful inspection matters, and a renovation loan can cover repairs.
- Ask the seller to help with closing costs. FHA allows seller contributions of up to 6% of the price.
- Have us review your credit before you shop. A few small fixes can improve your options.
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 Valley City 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 Valley City
Kearns
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 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 moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreWest Valley City Home Loan Questions
Yes. West Valley City works with CBC Mortgage Agency (the Chenoa Fund) on down payment assistance, which is a repayable loan rather than a grant. Statewide Utah Housing Corporation programs are also available. We'll compare them for you.
West Valley City is in Salt Lake County, where the 2026 single-family limits are $832,750 for conventional loans and $637,100 for FHA loans. VA loans have no limit for borrowers with full entitlement, and loans above $832,750 are jumbo loans.
Yes. FHA allows 3.5% down on a two- to four-unit property if you live in one of the units, with higher limits than for a single-family home in Salt Lake County. Projected rent from the other units can help you qualify.
Yes. We're a mortgage broker based in Layton, serving West Valley City 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 West Valley City?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.