Woods Cross Home LoansFrom a Local Mortgage Broker
Well-priced homes in Woods Cross don't sit on the market long, and a slow lender can cost you the house. Get a pre-approval sellers trust from a broker who knows the area.
- Local market know-how
- Conventional & jumbo options
- Fast pre-approval
What loan limits apply to homes in Woods Cross, Utah?
Woods Cross 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
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. It's a practical choice for buyers commuting to Salt Lake City.
In a competitive market, the buyers who win have solid financing before they write an offer. As a mortgage broker, we compare programs from multiple lenders and keep your agent updated, so your offer reads as a sure thing.
Woods Cross at a glance
| Detail | Woods Cross |
|---|---|
| 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 Woods Cross buyers use most
A mix of starter homes, family homes and higher-priced properties means no single loan fits everyone.
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 Woods Cross
- Townhomes and condos near the FrontRunner station need project approval for FHA and VA financing; we check first.
- Comparing Woods Cross with Bountiful or West Bountiful? One pre-approval covers all three.
- 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.
- Many homes here are well established. Budget for updates, or use a renovation loan to roll them into your mortgage.
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 Woods Cross 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 Woods Cross
Bountiful
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 moreNorth Salt Lake
North Salt Lake sits at the south edge of Davis County, minutes from downtown Salt Lake City.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreWoods Cross Home Loan Questions
Yes, if the project is FHA-approved and the price fits the $744,050 Davis County limit. We verify project approval before you write an offer.
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.
If your current mortgage rate is low, a HELOC usually lets you keep it while borrowing only what you need. A cash-out refinance can make sense when it also improves your rate or you want one fixed payment. We'll compare both.
Yes. We're a mortgage broker based in Layton, serving Woods Cross and communities across Davis County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in Woods Cross?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.