FHA Vs. USDA loan program for Centerville, Davis County, Utah

As of 2026, 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.

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.

Lendersa USDA loan request and matched results visualization

Understanding the USDA Loan in UT

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.

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Centerville Lenders
(801) 295-4451 Lender's profile and map Integrity Home Loans, LLC 224 South Main Street, Centerville, UT, 84014 Lends in Utah Integrity Home Loans taking care of their clients in assisting them through the home buying and refinancing process. We understand that the lowest rates and closing costs matter. We simply give you our lowest rates and options upfront and let you decide. We love to educate our clients and always care of them with our service.
(801) 451-5064 Lender's profile and map Horizon Credit Union 225 South 200 West, Farmington, UT, 84025 Lends in Utah Horizon Credit Union We are not a bank; we're a community-based, member owned credit union. Our goal everyday is to provide our members a better way to bank. At Horizon Credit Union you’ll find our checking and savings accounts offer benefits most traditional banks just can't, like competitive interest rates.
(801) 682-1722 Lender's profile and map Clear Capital Group 240 N. East Promontory, Suite 200, Suite 4428, Farmington, UT, 84025 Lends in Utah Clear Capital Group provides funding solutions for small and mid-size businesses by connecting clients with sorely needed capital resources that simply aren’t available in local banks and credit unions. Offering a literal buffet of financing options tailored to meet the needs of any business regardless of the stage of growth they are in as well as
(801) 979-6365 Lender's profile and map JH Home Loans 556 Rigby Rd, Farmington, UT, 84025 Lends in Utah As a local mortgage broker I am able to help you find the best rates and fees for your personal situation. Whether I am your first choice, or you just want a second opinion, I can help. It is not uncommon for me to be able to offer a similar rate to my competitors while paying most if not all the closing costs associated with a mortgage.
(801) 474-9300 Lender's profile and map Best Rates On Earth 722 West Shepard Lane, Suite 104, Farmington, UT, 84025 Lends in Utah At TruePointe Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(801) 296-2200 Lender's profile and map Prime Alliance Bank 1868 South 500 West, Woods Cross, UT, 84010 Lends in Utah Prime Alliance Bank, located in Woods Cross Utah, was created with the idea that local businesses, business owners, and individual customers would benefit from the personalized attention and service offered by a community bank. Since 2004, Prime Alliance Bank has specialized in national leasing
(866) 903-7773 Lender's profile and map horizon commercial capital 110 West Center Street, Bountiful, UT, 84010 Lends in Utah Horizon Small Business Lending Solutions is the preeminent non-bank lender for SBA 504 and Conventional financing solutions to small and mid size businesses nationwide. We are your specialized loan service provider; doing more than just talking about loans … We Get Deals Done! Our Partnership Lending program provides a unique product offering and p
(801) 298-5887 Lender's profile and map Capital Financial Group, Inc. 846 South Main Street, Bountiful, UT, 84010 Lends in Utah "We are CFG Home Loans - the mortgage division of Capital Financial Group. A western regional mortgage company providing solutions for our clients with quality, customized home mortgage financing for life. Over 20 Years of Specializing in mortgages in Utah Provides the highest level of client service."
(801) 473-3154 Lender's profile and map Utah Mortgage Resource LLC 2941 South 100 West, Bountiful, UT, 84010 Lends in Utah Utah Mortgage Resource Being a mortgage broker means having access to wholesale lender rates, and a huge variety of mortgage loan products. Being a good mortgage loan officer means knowing the guidelines, and how to insure the best odds for an approval. broker means having access to wholesale lender rates, and a huge variety of mortgage loan pro.