South Davis County Mortgages: Bountiful, Farmington and Kaysville Commuter and Move-Up Loans — Slickrock Skylight

Quick Answer & Key Takeaways

Choose a mortgage by comparing eligibility, upfront cash and total monthly costs, not the advertised rate alone. Conventional, FHA, VA and USDA serve different borrowers. Confirm county limits, taxes, insurance and lender requirements before comparing personalized Loan Estimates for your household.

For South Davis County Mortgages: Bountiful, Farmington and Kaysville Commuter and Move Up Loans: focus on mortgage planning and compare a written, property-specific estimate.

2026 one-unit baseline limits: $832,750 FHFA conforming and $541,287 FHA floor. Historical 2025: $832,750 and $541,287 respectively.
Typical comparisons: 580+ FHA with 3.5% down; 620+ conventional historically common with 3%-5% down, but lender rules vary; eligible VA/USDA may allow 0% down.
Budget full PITI plus PMI or program insurance, not principal and interest alone.

Compare Live Lender Rates & APRs ↓Check 2-Minute Eligibility →

Updated October 2026

Bountiful, Centerville, Farmington and Kaysville buyers often balance access to Salt Lake employment with a need for more space. A move-up purchase can also involve selling an existing home, carrying temporary debt and deciding whether an accessory apartment belongs in the plan. Slickrock Skylight puts those decisions into one financing timeline.

Establish the new loan before spending the equity

Davis County has elevated conventional and FHA loan limits. For 2026, the baseline conventional limit is $832,750, but the county's applicable ceiling determines when a larger loan leaves conforming financing. Confirm the current figure through FHFA Loan Limits before assuming jumbo financing is necessary.

Estimate sale proceeds conservatively. Mortgage payoff, transaction expenses, repairs and buyer concessions all reduce usable equity. If the new purchase closes first, the lender must evaluate the existing housing obligation and any bridge or equity financing.

Use the home equity calculator for an initial estimate, then build a closing sequence that answers three questions:

When will sale proceeds actually become available?
Can you qualify while both homes remain owned?
How much cash remains after moving and immediate repairs?

Document accessory income and local value

Internal accessory apartments are common underwriting topics along the Wasatch Front. A separate entrance or basement kitchen does not, by itself, establish acceptable rental income. Legal use, property classification, appraisal support and program rules determine whether income can help qualification.

An owner planning to rent an apartment should gather permit information and any existing lease before relying on rent in the purchase budget. The lender may recognize less income than the amount advertised by the seller.

Because Utah is a non-disclosure state, public sale records do not consistently provide the price evidence buyers expect elsewhere. Use documented comparable transactions and a supported appraisal rather than estimating value from neighboring tax assessments.

Rebuild escrow for the destination home

Utah's primary residential exemption generally taxes an eligible residence on 55% of fair market value. Verify the new property's status through the county and review the framework at Utah State Tax Commission Property Tax.

The seller's escrow payment is not a reliable forecast of yours. Account for the current assessment, local levies, insurance and any association dues. August Truth in Taxation hearings can help explain proposed local revenue changes before the November 30 tax deadline.

Compare the full carrying cost with the monthly payment calculator, including a separate allowance for commuting, upkeep and the temporary costs of the move.

Compare Current Mortgage Rates

Compare current APRs, points, fees, and estimated monthly payments from participating lenders below.

Loan Program Comparison: 2026 Benchmarks

South Davis County Mortgages: Bountiful, Farmington and Kaysville Commuter and Move Up Loans — Choose a mortgage by comparing eligibility, upfront cash and total monthly costs, not the advertised rate alone. Conventional, FHA, VA and USDA serve different borrowers. Confirm county limits, taxes, insurance and lender requirements before comparing personalized Loan Estimates for your household.

Historical 2025 one-unit comparison: conforming $832,750; FHA floor $541,287. County and unit-count limits can differ.

Loan program	Down payment / equity	2026 one-unit baseline	Costs and page-specific comparison
Conventional	3%–5% subject to eligibility	$832,750	PMI generally below 20% down
FHA	3.5% at 580+; 10% at 500–579	$541,287 floor	1.75% upfront MIP; 0.55% annual for >95% LTV, base loan ≤$726,200, term >15 years
VA	0% for eligible borrowers	No VA limit with full entitlement	No monthly PMI; funding fee unless exempt
USDA	0% for eligible borrowers	Income, address and repayment eligibility	Guarantee and annual fees; confirm current schedule
Jumbo	Lender-specific cash and reserves	Above applicable conforming limit	Lender-specific pricing and insurance
Home Equity / Refinance	Equity and underwriting dependent	Property and lender dependent	Compare closing costs, term and break-even

Sources: FHFA limits; HUD FHA limits.

Editorial Methodology & Primary Sources

Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.

Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.

Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)⁻ⁿ), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.

Consumer Financial Protection Bureau (CFPB) — Loan Estimates, APR and borrower disclosures; Regulation Z.
U.S. Department of Housing and Urban Development (HUD / FHA) — FHA program guidance.
U.S. Department of Veterans Affairs (VA) — VA loan eligibility and benefits.
Freddie Mac Primary Mortgage Market Survey (PMMS) — published rate benchmarks.
U.S. Census state tax collections — state property tax benchmarks; confirm parcel-specific assessments and exemptions with the state revenue department and local assessor.
Utah Housing Corporation — state housing finance and property tax authority.
Utah State Tax Commission Property Tax — state housing finance and property tax authority.

The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.