USDA Vs. FHA Pro and Con comparison in Bluffdale, Salt Lake County, UT

In 2025, USDA loan limit in Bluffdale, county of Salt Lake, UT is $418,600 while FHA limit is $619,850 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Bluffdale, county of Salt Lake, UT

Loan Type Loan Limit Down payment
USDA $418,600 0%
FHA $619,850 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Bluffdale, UT

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Utah?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • LoanStars Mortgage Company
  • 1200 Lonestar Road, Lyons, CO, 80540
  • At LoanStars Mortgage you will find the lowest most competitive interest rates in the industry, always processed promptly with the utmost honesty, integrity and professionalism. I understand that your loan is of the utmost importance to you and take the time that is needed to make you comfortable
  • Nevada Title and Payday Loans, Inc.
  • 1549 N Rancho Dr, Las Vegas, NV, 89106
  • A title loan, payday loan or a signature installment loan from Nevada Title and Payday Loans, Inc. could help you meet some of your financial challenges. With our experience and professionalism, we can help you get a car title loan, signature installment loans or payday loan that works for you in 30 minutes or less.
  • Rehab Lend LLC. DBA REHABLEND
  • 1810 E Sahara Ave #200, Las Vegas, NV, 89104
  • REHABLEND by Alpha Funding Corp. (www.afunding.com) was established in 2016 to provide a simple and effective platform for real estate investors and brokers who need to acquire or refinance non-owner-occupied residential and multifamily properties. We focus on value-add fix and flip transactions, mid-renovations, and long-term financing. We do no
  • Silver State School Credit Union
  • 2256 S Nellis Blvd, Las Vegas, NV, 89104
  • Silver State Schools Credit Union, founded in 1951, is a premier financial cooperative owned and operated by its members. With locations throughout the Las Vegas valley, we continue to provide a quality banking alternative for people like you, your fellow employees and families. Silver State Schools Credit Union strives to be the market leader .
  • Alpha Funding
  • 1810 E Sahara Ave, Suite 200, Las Vegas, NV, 89104
  • We are able to make exceptions when the big picture makes sense to us. Our primary focus is the strength of the collateral, the ability to debt service, and the borrower’s ability to repay the loan. We are able to get past issues other hard money lenders lenders can’t. We are problem solvers with reasonable solutions for unbankable loans.
  • Nova Financial
  • 2006 E Charleston Blvd, Las Vegas, NV, 89104
  • Our customer’s needs will always come first. We will be positive, helpful, and enthusiastic at all times; always focusing on solutions, not the challenges. We have worked hard for over 20 years to provide the highest quality, most innovative and exceptional service available anywhere.
  • Casamia Mortgage Company
  • 1319 South Eastern Avenue, Las Vegas, NV, 89104
  • Casamia Mortgage 1997 throughout my journey, I have worked with major mortgage companies gaining knowledge and experiences in programs such as FHA, Conventional, VA, FHA 203K, Private Money and Down Payment Assistance. I have also worked closely with the Hispanic Community in attempts to educate.
  • Rehab Lend
  • 1810 E Sahara Ave, Suite 200, Las Vegas, NV, 89104
  • REHABLEND by Alpha Funding Corp. (www.afunding.com) was established in 2016 to provide a simple and effective platform for real estate investors and brokers who need to acquire or refinance non-owner occupied residential and multifamily properties. We focus on value-add transactions. We do not charge interest on the rehab holdback.
  • Big Horn Federal Savings Bank
  • 33 North 6th Street, Greybull, WY, 82426
  • Big Horn Federal has provided residents of the Big Horn Basin with 2 essential services: a safe place for their savings & affordable mortgage funds for their home purchases. We have expanded on these services to offer checking accounts, consumer loans, debit cards, wire services, safe deposit accounts and a host of other related financial products.