FHA VS Conventional loan in Smithfield, Cache County, Utah
In 2026, the Conventional loan limit for Smithfield in the county of Cache, UT is set at $726,200. For a single-family home, the FHA limit is $492,200.
Utilize the Lendersa® Conventional loan calculator to compare today's top rates among Conventional, FHA, and USDA loans. Assess income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator shows Conforming Conventional loans along with USDA, FHA, and VA loans side by side, helping you decide which program in UT suits your financial situation best.
2026 Loan Limits and Down Payment Requirements in Smithfield, Cache, UT
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$517,000
0%
FHA
$492,200
3.5%
This table applies to the following zip codes: 84335
Options for Conventional and FHA Loans in Smithfield, UT
The objective of Lendersa® is to efficiently provide you with the most suitable Conventional, USDA, or FHA loan without any hassle. Choose from one of three initial paths that connect you with matching lenders and loan programs.
Diversified Home Loans has an all-star team, dedicated to the needs of our clients. Collectively we have experience with all types of loans, and can help people in any and all loan situations.Our promise to all our clients is to offer the very best financial advice and to consistently exceed your expectations.
Founded in 1999, Wasatch Mortgage Solutions is a mortgage lender in Logan, Utah. We're licensed to do home loans in all of Utah and Idaho, even though we call Cache Valley home and As a mortgage lender, we offer a wide variety of home loan programs including Conventional, FHA, VA, USDA, and Portfolio home loans
North Star Mortgage understands that purchasing a home is one of the biggest purchases of a lifetime. Our competitor’s approach to the mortgage process is notorious for being drawn out, stressful, and risky. We’ve streamlined our process to ensure that the experience of obtaining your mortgage.
Elevate Credit Union is your lifelong financial advocate and we will be there to walk with you through all the journeys and experiences of your financial life. Join us. Let’s create something great together!vate Credit Union is your lifelong financial advocate and we will be there to walk with you through all the journeys.
2650 N 300 E St, Suite 220, North Ogden, UT, 84414
Lends in Utah
At Great American Lending, we provide you peace of mind for your home loan. We have the experience to find great rates and service, not to mention the flexible options you’re looking for. Don’t wait for another company to get around to your loan, come to our mortgage company and see how smooth and painless the home loans process can be.
Fidelity First Funding was established in July, 2000 and has been helping to make home ownership possible for clients throughout Utah and Idaho ever since. With the combined experience of our expert team, we will be able to get you into the home of your dreams. We have funded over $900 Million loans over the last 19 years.
We specialize in loans for veterans & active duty military service members. We work fast and move quick. We get loans done in as fast as 3 weeks from start to finish. No junk LENDER Fee's on VA Loans. We are a "wholesale mortgage lender to the public. We get better terms with zero lender fee's.
Let's take care of your mortgage AND have some FUN! I love helping people buy and refinance their homes here in Utah. I love Utah! Loans don't have to feel like an applicationscopy.
It is my job to help you through this process and make it as stress-free as possible.
