In 2026, the USDA loan limit in Bountiful, Davis county, UT, is $517,000, while for a single-family home, the FHA limit is $744,050.
To compare the leading USDA and FHA rates today, use the Lendersa® USDA loan calculator. It helps determine the needed income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding in the selection of the optimal program for your financial situation in
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| Loan Type | Loan Limit | Down payment |
| USDA | $517,000 | 0% |
| FHA | $744,050 | 3.5% |
| Conventional Conforming | $744,050 | 3% |
Lendersa® strives to provide the highest quality USDA or FHA loans quickly and without difficulties. Engage with one of three introductory paths that lead to matching lenders and accommodating USDA loan programs.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is only available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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