USDA Vs. FHA your options comparison in Clearfield, Davis County, UT
In 2026, 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.
2026 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.
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.
1747 Heritage Lane, Suite B202, Syracuse, UT, 84075
Lends in Utah
Econ Mortgage prides itself on offering low rates, and costs, right out the gate! Compare us with your “guy/gal” and see why even loan officers do their financing through Econ Mortgage! We are a well-established company serving in Salt Lake City. As your premier Utah mortgage broker, we focus on providing you with the lowest rates.
As experienced loan officers we have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is our ultimate goal, and we are committed to providing our customers with mortgage services that exceed their expectations.
5145 South Airport Road, Suite 300, Roy, UT, 84067
Lends in Utah
We offer discrete and dependable consulting for all aspects of your real estate needs. Our team of highly qualified employees is available day and night to guarantee you the best possible service. We’re sure they’ll be able to help you with whatever problems you may have. We do NOT get "beat" whether it is product, pricing, or service.
Day Financial Services, Inc. has been doing buisiness since 1994. Our experienced staff will help you with any and all mortgage needs. And also Day Financial Services, Inc. Is a full service mortgage broker. We offer First Time Homebuyer, Purchase, New Construction Refinances, Rural Housing, Debt Consolodiation, Reverse Morrgages, Equity and FHA
At First Community Bank, we don't aspire to a vision of transacting business. We aim for transforming lives. Everything we do as a bank goes towards helping our customers become empowered and succeed financially.
When you bank with First Community, your banker is more than just a face in the crowd.
Steve have been Home Mortgage Loans expert in Utah, doing home loans since 1996. He have the experience to walk you through any issues, concerns or circumstance. Steve can help you if you've had a bankruptcy, or foreclosure and He can show you how to easily become a real estate investor.
579 Heritage Park Blvd, Suite 201, Layton, UT, 84041
Lends in Utah
At IntroLend™ our mission is to greatly simplify the application, pre-approval and shopping phase of the housing finance process. Core to our value and services is to ensure that every client receives a competitive bid from multiple local and top-ranked mortgage and personal finance professionals.
Helping clients achieve their dream of home ownership is one of the greatest rewards of being a Mortgage loan officer. With over 12 years of experience in the Mortgage Industry, Todd Heath take his passion for helping others to a reality. As a Mortgage Professional, Todd committed to providing transparency to my clients.
