USDA Vs. FHA Pro and Con comparison in Clearfield, Davis County, UT
In 2025, within the city of Clearfield, located in the county of Davis, UT, the USDA loan limit is established at $517,000, whereas the FHA limit for a single-family home is $744,050. These established limits are important for prospective homeowners to understand as they plan their financing strategies.
To evaluate today's best rates for USDA versus FHA loans, leverage the Lendersa® USDA loan calculator. This tool assists in determining the necessary income, credit score, reserves, and documents needed to qualify. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you in selecting the most suitable program in for your unique financial circumstances.
2025 Loan Limits and Downpayment Requirements in Clearfield, Davis, UT
Loan Type
Loan Limit
Down payment
USDA
$517,000
0%
FHA
$744,050
3.5%
Conventional Conforming
$744,050
3%
Available USDA and FHA Loan Options in Clearfield, UT
Lendersa® aims to efficiently procure the best possible USDA or FHA loans for you with minimal hassle. Begin by selecting one of three starting points, each designed to connect you with matching lenders and USDA loan programs that fit your requirements effectively.
The USDA home loan, also termed as USDA rural development loan or USDA mortgage, is guaranteed by the government Department of Agriculture and is exclusively available in designated rural neighborhoods. Unlike FHA loans, which require a minimum 3.5% down payment, the USDA mortgage forgoes this requirement, allowing qualifying buyers to purchase without a down payment. This feature distinctly enhances accessibility for those eligible, promoting homeownership in rural communities.
Heritage Financial was established in 1990 on the same ethics and standards that keep their doors open today. We are a locally owned and staffed mortgage brokerage with an amazing team of professionals that have the experience and knowledge to get the job done right.
We believe in education, not only for our clients but also our company.
I have been involved in real estate for over 35 years. My vast experience has provided me with extensive knowledge of the entire loan process. Today, as a licensed Mortgage Broker and Loan Officer, I am able to provide a wealth of information to my clients. As a true mortgage professional, I’m looking to build relationships so my clients
Lewis & Clark Bankerpreneurs share the entrepreneurial spirit with their clients who also own and have started their own businesses. Growth is a goal. But, more importantly, to be the resource and destination for small businesses who want to expand and be woven into the business fabric of their communities.
Clackamas Federal Credit Union has been helping people and businesses like you, improve their lives. We’re a different type of financial institution that’s owned by its members, not corporate shareholders. We’re a not-for-profit dedicated to helping hard working people like you achieve your financial goals, faster.
Value Added Mortgage our clients see a difference. Focused on a Education, Communication and Customer first mentality our team works hard to deliver an exceptional experience in the home loan industry.Our mortgage experience is simple and streamlined with one goal – To Exceed Your Expectations.
Our mission is to help our clients get into homeownership and to assist clients with multiple properties on how to restructure them for the best financial outcome and their growth needs. We’ll work alongside you to save you time, stress and money, while making your home purchase a quick and simple process all at no cost to you.
HVmortgage team members will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the ideal loan
1913 Main Street, Suite 151, Oregon City, OR, 97045
"We have helped thousands of families obtain the right mortgage to meet their needs. To help as many families as possible obtain their goal of homeownership and financial prosperity. Honesty, Integrity, Accountability, and Accuracy are the core principals of our business.
Specializing in Conventional, FHA, USDA, VA, Rehab and Jumbo loans"
AMA Mortgage is a mortgage brokerage to offer many different loan programs available out in the lending world. You don’t have to shop around to get the best rates and programs. A loan broker works with multiple lenders and can find the loan that will fit your situation, at the best rate possible.
At Spinner Mortgage we treat every loan as if it were our own. Whether it’s a loan for an investment property, a construction loan, cash for college tuition, remodeling, or a first-time homebuyer’s mortgage, each situation is carefully evaluated and addressed in detail. The result is a loan custom-tailored to meet specific needs.
Become is an end-to-end financial optimization platform for SMBs. Its one-of-a-kind loan marketplace uses advanced algorithms to provide SMBs with customized funding offers to help them grow and successfully scale their business.
In addition to its funding platform, Become’s BeProfit dashboard provides online SMBs with the tools.
