USDA Vs. FHA Pro and Con comparison in Centerville, Davis County, UT
As of 2025, the USDA loan limit for the city of Centerville in Davis county, UT, is $517,000. In comparison, the FHA loan limit for a single-family home reaches $744,050. Understanding these limits is crucial for homebuyers planning their financial options, offering clarity on the potential scope of financing available within these regions.
Leverage the Lendersa® USDA loan calculator to compare today’s leading USDA and FHA rates. This tool helps you determine the required income, credit score, reserves, and documents needed for qualification. Our sophisticated mortgage calculator provides a comprehensive side-by-side view of USDA, FHA, Conforming, and VA loans, guiding you to select the most appropriate program in that best suits your unique financial situation.
2025 Loan Limits and Downpayment Requirements in Centerville, Davis, UT
Loan Type
Loan Limit
Down payment
USDA
$517,000
0%
FHA
$744,050
3.5%
Conventional Conforming
$744,050
3%
Exploring USDA and FHA Loan Options in Centerville, UT
The aim of Lendersa® is to help you secure the best USDA or FHA loans in a timely manner, without hassle. Choose one of three streamlined pathways designed to match you with lenders and USDA programs that align with your specific requirements, ensuring a tailored and effective borrowing experience.
The USDA home loan, known as the USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture and is available exclusively in rural neighborhoods. Unlike FHA loans, which necessitate a 3.5% minimum down payment, the USDA mortgage requires no down payment at all. This distinct advantage makes the USDA loan a highly appealing option for eligible buyers seeking to invest in rural property ownership, facilitating greater access to homeownership in these areas.
124 West 1400 South, Suite 101, Salt Lake City, UT, 84115
Firefighters Credit Union serves firefighters and their family members throughout the state of Utah. In order to be eligible to join the credit union, members must in one of the following groups:
Full-time, part-time, or volunteer firefighter for a fire department located in the State of Utah
Full-time or part-time employee of a fire departm
We specialize in getting you get the cash you need, when you need it. You can borrow up to $2, 500 on a personal or signature loan today without all the hassle of a bank or credit union. Loans For Less has been helping folks in Utah for over 19 years now, and we take a lot of satisfaction knowing we’ve helped many Utah families and individuals
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.
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.
2150 South 1300 East, Suite 400, Salt Lake City, UT, 84106
First Electronic Bank is an FDIC-insured, state-chartered industrial bank headquartered in Salt Lake City, Utah. First Electronic Bank believes in building a financial services industry that is inclusive and effective for the diverse range of consumers, businesses, and partners that rely on it.
Our mission is to be our members's 1st choice for high-quality financial products and services.
We take pride in our history of serving teachers and the educational industry and strive to make the lives of our members easier and more rewarding. We now serve all of Salt Lake county, providing friendly and convenient financial services.
1586 E Stratford Ave, Suite 3, Salt Lake City, UT, 84106
At LATITUDE LENDING, LLC, 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
The Credit Union’s mission is to improve the financial lives of all members while promoting an environment that, like the J.A.C.L.’s vision, “respects the values of fairness, equality and social justice. “ The J.A.C.L. was founded in 1929 and is the oldest and largest Asian American civil rights organization in the United States.
Matt Stout started Consumers Financial Mortgage in 1995 with the vision of helping homeowners save money. Since that time, he has worked to perfect the art of understanding mortgage customers and their financial goals. Using what he calls his “Mortgage Map”, Matt creates options based on his client’s financial goals to better guide.
1062 East 2100 South, Suite 217, Salt Lake City, UT, 84106
"Hi I'm Jason Deamer, founder of Salt City Home Loans located in the heart of Salt Lake City. I started in the home loan industry over 19 years ago in 2001, and I’ve worked with and learned from some of the best in our industry.
Mortgages are so much more than just a means to purchase a home."
American Wholesale Loans is your connection to the Wholesale Lending market which has the best terms for Residential and Commercial loans. By skipping the middle man and going directly to the funding source you will save time in getting your financing secured and money over the life of your loan
675 E 2100 S, Suite 110, Salt Lake City, UT, 84106
"America West Financial is about helping potential home owners navigate through the complex process of home loans. Through dedicated Loan Officers & supporting staff, America West Financial provides an enjoyable, efficient experience.
America West Financial was founded by Lee M Yates in 2003. After being in the Mortgage Broker business."
