USDA and FHA Pro and Con in Soda-Springs, Caribou County, ID

In 2025, the USDA loan cap in Soda-Springs, county of Caribou, ID is set at $285,000, whereas the FHA limit for a single-family residence is $356,362.

Utilize the Lendersa® USDA loan calculator to analyze current USDA versus FHA rates, and identify necessary income, creditworthiness, reserves, and documents for eligibility. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side-by-side, helping you decide which program in suits your financial needs best.

Compare loan offers from 100 lenders

Loan caps and down payment needs for 2025 in Soda-Springs, Caribou, ID

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Soda-Springs, ID

Lendersa® aims to quickly obtain the best USDA or FHA loan for you, hassle-free. Select one of three starting methods that guide you to matching lenders and programs.

Lendersa USDA loan inquiry and matching results

Defining USDA Loans in ID

The USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan, is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • USA Cash Services
  • 1752 Combe Rd, Suite 1, Ogden, UT, 84403
  • We opened our first store in 1995. In 2001, we made our loans even more convenient by offering them online. We have expanded into multiple states and currently have many locations to better serve our customers. With USA Cash Services you can be confident you are working with a trustworthy company. We are a direct lender.
  • Ascent Credit Union
  • 4140 Harrison Blvd, Ogden, UT, 84403
  • We are in the business of helping members achieve financial success. We take seriously our role as consultants & educators & work hard to provide the best services and rates. We offer a variety of online & mobile technologies that provide tremendous benefits for members. We operate four branches: Ogden, Roy, North Ogden & Weber State University.
  • Intercap Lending
  • 5926 S. Fashion Pointe Dr, Suite 110, South Ogden, UT, 84403
  • Look no further! You have found Northern Utah’s one-stop resource for all your mortgage financing needs. My philosophy is simple: client-focused. You are top priority throughout the loan process. You are the reason why I am in business. My goal is to give you the right loan at the right rate to meet your financial and equity objectives for life.
  • Village Mortgage, Inc.
  • 3852 South Washington Boulevard, Ogden, UT, 84403
  • Village Mortgage We are a local independent mortgage broker and have been for two decades. We focus on giving you more options. How does having more options help you? A more extensive selection of programs means we can find a mortgage that fits you, not the other way around. All the while getting you what matters most; the lowest rate.
  • Talon Loans, LLC
  • 920 Chamber St, Suite 11, Ogden, UT, 84403
  • Talon Loan LLC is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Wasatch Peaks Credit Union
  • 4723 Harrison Blvd, Ogden, UT, 84403
  • Wasatch Peaks Credit Union, our mission is simply stated; yet, it is the root of all we do: Exceeding expectations one member at a time and offers the following products and services: Auto/Boat/RV/ATV Loans, Mortgage Loans, Home Equity Loans/Lines of Credit, Visa® Credit Cards, Savings, CDs/IRAs, FREE Checking, Online Banking.
  • Goldenwest Credit Union
  • 5025 South Adams Avenue, South Ogden, UT, 84403
  • Goldenwest is among the largest credit unions in Utah, holding $2.3 billion dollars in assets. As a not-for-profit financial cooperative, Goldenwest is owned by its 153, 000+ members. Based in Ogden since it was founded in 1936, the credit union operates 43 branches from Logan to St George, including the USU Credit Union Division in Cache Valley.
  • Augusta Mortgage, Inc.
  • 5145 South Airport Road, Suite 300, Roy, UT, 84067
  • We offer discrete and dependable consulting for all aspects of your real estate needs. Our team of highly qualified employees is available day and night to guarantee you the best possible service. We’re sure they’ll be able to help you with whatever problems you may have. We do NOT get "beat" whether it is product, pricing, or service.
  • Day Financial Services, Inc.
  • 3568 W 4800 S, Suite B, Roy, UT, 84067
  • Day Financial Services, Inc. has been doing buisiness since 1994. Our experienced staff will help you with any and all mortgage needs. And also Day Financial Services, Inc. Is a full service mortgage broker. We offer First Time Homebuyer, Purchase, New Construction Refinances, Rural Housing, Debt Consolodiation, Reverse Morrgages, Equity and FHA
  • Alta Mortgage Group
  • 4824 South 6150 West, Hooper, UT, 84315
  • At Alta Mortgage Group, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
  • Bob Kirkman Mortgage Lender
  • 1448 N 2000 W, Suite 2, Clinton, UT, 84015
  • Bob Kirkman believes that excellent service and a reputation for honesty, integrity and reliability are just as important as interest rates and closing costs. Bob’s team is committed to providing our Utah Mortgage clients with the highest quality Utah Home Loans combined with the lowest Utah Mortgage Rates available.
  • ATOMortgage, LLC
  • 1857 N 1000 W, Suite 1, Clinton, UT, 84015
  • At ATOMortgage, we recognize each individual client is unique and will work hard to provide the best solution for your needs. It takes a detailed and organized professional to ensure a smooth transaction. ATOMortgage will guide you through the mortgage process and provide exceptional customer service by keeping you informed and updated.