USDA and FHA Pro and Con in Ephraim, Sanpete County, UT
In the year 2026, within Ephraim, positioned in the county of Sanpete, UT, the USDA loan maximum is noted as $336,500, whereas the FHA cap is set at $472,030 for single-family residences.
Utilize Lendersa®'s USDA loan calculator for a comprehensive comparison of today's USDA and FHA top rates, and discover the income, credit, reserves, and documentation necessary for qualification. With our sophisticated mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side by side, aiding you to determine the optimal program in that suits your particular financial needs.
2026 loan constraints and downpayment prerequisites 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 mortgage choices in Ephraim, UT
Lendersa® aims to expedite the acquisition of the most advantageous USDA or FHA loan, ensuring a hassle-free experience. Choose from three starting options, each leading to matched lenders and USDA loan programs.
A USDA mortgage is supported by the government's Department of Agriculture, widely known as a USDA rural development loan. It's applicable only in rural areas. In contrast to FHA loans, which demand at least 3.5% down, the USDA home loan doesn't require any down payment.
Statewide Funding is a Mortgage Company that has been highly recommended. Statewide Funding Loans Officers make the process extremely easy whether it is your first time buying a home or Refinancing. Mike and Rob believe in a smooth lending process from the time you put in your application to closing
Utah Heritage Credit Union has a 50 year history of serving the hard working men and women of Sanpete and Sevier Counties. The credit union was started by and continues to be directed by these men and women.Moroni Feed Credit Union was organized on December 10, 1969 by AD Shepherd. Forty Five people were in attendance.
Town and Country Home Mortgage We are a locally owned mortgage broker able to do your refinance, purchase or construction loans throughout the state of Utah. We specialize and are t broker able to do your refinance, purchase or construction loans throughout the state of Utah. We specialize and are the State's experts on the USDA Rural Guarantee.
Utah Independent Bank was established in Salina, Utah and opened for business in August 1977. Utah Independent Bank is the only locally owned bank in the counties of Sevier and Beaver. We currently have four locations to serve the needs of our customers; they are located in Beaver, Milford, Monroe, and Salina, Utah. All locations provide full-servi
Eastern Utah Community Credit Union we take the credit union philosophy of "People Helping People" to heart. Come in today and let our experienced staff show you what makes us different from other financial institutions. Apply for membership today at Credit Union we take the credit union.
Timberline Mortgage, Inc. Team is your premier mortgage team located in Richfield, Utah. Timberline Mortgage, Inc. offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Richfield area. Whether you are first time home buyer, purchasing your dream home.
First National Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
Remarkable Home Loans team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Pacific Horizon Credit Union has been open since 1954. It's the 24th largest credit union in Utah with assets totaling $103.18 Million and providing banking services to more than 8, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings, loans
