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
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| Loan Type | Loan Limit | Down payment |
| USDA | $517,000 | 0% |
| FHA | $744,050 | 3.5% |
| Conventional Conforming | $744,050 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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