USDA Loan Vs. FHA loan pro & con Bluffdale, Salt Lake County, UT

In 2025, the USDA loan limit allocated to Bluffdale, nestled within Salt Lake County, UT, is $418,600. Meanwhile, the FHA loan limit for purchasing a single-family home is $619,850. These figures are essential for potential homebuyers, helping clarify the financing options and limits available as they explore homeownership possibilities in these locations.

To navigate today’s lending environment, you can utilize the Lendersa® USDA loan calculator to effectively compare the prevailing USDA versus FHA rates. This tool assists in understanding the income, credit qualifications, reserves, and paperwork necessary to qualify. With our advanced mortgage calculator, you gain access to compare USDA, FHA, Conforming, and VA loans, displayed side by side, enabling you to make informed decisions about the most suitable program in based on your unique financial needs.

Exploring USDA and FHA Loan Options in Bluffdale, UT

At Lendersa®, our core aim is to facilitate your access to the most beneficial USDA or FHA loans seamlessly and without undue delay. Embark on your journey by choosing from one of three strategic avenues designed to connect you with suitable lenders and USDA loan programs tailored specifically to meet your needs, thereby simplifying the borrowing process.

Illustrative view of Lendersa USDA loan request and matching process

Understanding the USDA Loan in UT

The USDA home loan, sometimes called the USDA rural development loan or USDA mortgage, is a financing option backed by the U.S. Department of Agriculture. It is exclusively available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, the USDA mortgage is distinctive in that it requires no down payment at all. This feature makes the USDA loan an attractive choice for those eligible, offering an easier path to homeownership in rural communities.

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(877) 874-7325 Lender's profile and map Reviews Peak Finance Company 5900 Canoga Avenue Suite 200, Woodland Hills, CA, 91367 At Peak Finance Company, Residential we serve realtors, CPAs, business and financial planners as well as homeowners and new home buyers with the goal of making the process of obtaining a mortgage as easy, convenient and affordable as possible. With expert staff, advanced capital market knowledge and highly-competitive mortgage loan programs etc..
509.593.3029 Lender's profile and map Reviews Preferred Capital Investors, LLC 3015 W Circle Pl, Spokane, WA, 99205 Preferred Capital Investors, LLC is a leading nationwide hard money lender dedicated to empowering real estate investors with the essential capital needed to fuel their ventures. We offer up to 100% financing on purchase and rehab loans, ground up construction loans, DSCR's and more
(509) 484-5650 Lender's profile and map Reviews Spokane Firefighters Credit Union 2002 North Atlantic, Spokane, WA, 99205 Spokane Firefighters Credit Union was founded by Spokane Firefighters in 1934, during the Great Depression. This was a time when trust in banks was at an all time low and Americans with common interests banded together to form their own financial cooperatives. While many credit unions have expanded their membership fields
(509) 325-7228 Lender's profile and map Reviews Spokane City Credit Union 1930 N Monroe Street, Spokane, WA, 99205 SCCU was founded in 1934, it was called City Employees Credit Union of Spokane. It was an occupation-based credit union, like so many credit unions of the time, and all of our members were employed by the City of Spokane. Later, membership was expanded to include Spokane Transit Authority.
(509) 343-5626 Lender's profile and map Reviews Prime One Mortgage Corp. 3305 W. Bismark Ave, Spokane, WA, 99205 At Prime One Mortgage Corp. We are glad you stopped by to check us out. Prime One Mortgage is a full-service Mortgage Broker offering home loans for purchase and refinance transactions in Washington and Idaho. Our company has provided mortgage loan services to thousands of satisfied people since 1997.
(509) 252-4000 Lender's profile and map Reviews Heritage Home Loans 1414 W Garland Avenue, Suite 109, Spokane, WA, 99205 We are a full service Mortgage Bank with loan products for Purchase and Refinance of Residential Real Estate. We offer in-house origination, processing, and underwriting to our clients to ensure their expectations are exceeded. Our main markets include Eastern and Central Washington as well as North Idaho down to Lewiston, ID.
(520) 384-2822 Lender's profile and map Reviews Cochise Credit Union 170 N. Haskell, Willcox, AZ, 85643 Cochise Credit Union was state chartered in 1958 in Willcox, AZ to serve the financial needs of Sulphur Springs Valley Electric Cooperative (SSVEC) employees and their families. Over the years the credit union has expanded their field of membership to serve the following zip codes: 85643, 85644, 85625, 85605, 85606,
(925) 478-8630 Lender's profile and map Reviews Bridgepoint Funding, Inc. 3478 Buskirk Avenue, Suite 1000, Pleasant Hill, CA, 94523 Bridgepoint Funding is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you.
(925) 378-2021 Lender's profile and map Reviews United Home Mortgage Corporation 2300 Contra Costa Boulevard, Suite 315, Pleasant Hill, CA, 94523 UHM is the first USA mortgage brokerage in Dubai. United Home Mortgage was founded in California in 1994 . Since then the company has earned an outstanding reputation in the marketplace with its clients, financial institutions and banks. The foundation of UHM is unwavering stance on conducting business with the highest ethical standards.