USDA VS FHA in Ephraim, Sanpete County, UT

In 2025, USDA loan limit in Ephraim, county of Sanpete, UT is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Ephraim, county of Sanpete, UT

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Ephraim, UT

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Utah?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • MD Mortgage Inc
  • 6436 E Maple Ave, Grand Blanc, MI, 48439
  • We keep you informed and return all emails and calls promptly so that you never have to wonder what is going on with your loan. Count on us to be there with you and to help you navigate the entire mortgage process. We'll help you cut through the red tape and avoid the common mistakes people make.
  • Dort Financial Credit Union
  • 9048 Holly Rd, Grand Blanc, MI, 48439
  • Dort Financial Credit Union is a not-for-profit financial cooperative whose mission is to open doors to our members by providing quality financial services. Each member owns one share of the cooperative, represented by the initial deposit made to a primary savings account. Dort Financial Credit Union values communication with our members.
  • Grand Oak Mortgage
  • 5225 E Cook Rd, Grand Blanc, MI, 48439
  • Grand Oak Mortgage Company is privately owned. We specialize in Mortgage Residential Lending. We are a licensed Mortgage Broker in the State of Michigan. We assist borrower's looking to refinance their current home or purchase a new home.Grand Oak Mortgage specializes in finding the perfect loan program to fit the individual needs of our borrowers.
  • Multiresource, Inc
  • 376 Beach Farm Circle, Suite 746, Highland, MI, 48357
  • We are your family owned neighborhood Mortgage Brokerage serving Michigan. We work with stellar top tier lenders to offer you the most competitive products on the market. We are veteran and woman owned and operated. MultiResource is here to serve you for ALL of your home financing needs.
  • Opportunity Home Lending LLC
  • 2591 Overbrook, Highland, MI, 48357
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Sun Federal Credit Union
  • 1627 Holland Road, Maumee, OH, 43537
  • Sun Federal is a full-service financial cooperative, established in 1950. As an employee, retiree, member or student of one of our sponsor groups, or if you live, work, worship, attend school or regularly conduct business in a designated development area, you and members of your immediate family or household are eligible to join Sun Federal
  • Glass City Federal Credit Union
  • 1340 Arrowhead Drive, Maumee, OH, 43537
  • Glass City Federal Credit Union has been proudly serving the Northwest Ohio community since 1947.Currently, Glass City provides optimum financial services to over 26, 000 members, and more than 200 businesses, organizations, and associations in the region. With five full-service branch locations in Maumee, Toledo, and Bowling Green,
  • Resolute Bank
  • 3425 Briarfield Blvd, Suite 100, Maumee, OH, 43537
  • Established in 2006, Resolute Bank is a full-service community Bank specializing in relationship Banking for small to mid-sized businesses, medical professionals, real estate professionals and residents. Located at 3425 Briarfield Blvd. in Maumee, Extended hours are available by appointment
  • Your Mortgage Group LLC
  • 1715 Indian Wood Circle, Suite 200, Maumee, OH, 43537
  • YMG is a boutique brokerage that understands the mortgage experience is not one size fits all…it’s your size fits you.That’s why our first priority is to keep you in mind as we navigate your experience.We have closed BILLIONS in loans for thousands of clients.Whether you’re a first time home buyer or a seasoned investor, we have the experience.
  • Capital Home Loans LLC
  • 6546 Weatherfield Ct, Unit C2, Maumee, OH, 43537
  • Capital we are dedicated to serving the community by providing competitive mortgage options. Buying a home is a great step towards financial success and our team is here to make that process as smooth as possible. Reach out to us today to find out how Capital can help you and Ready To Help You Through The Mortgage Process