USDA Vs. FHA your options comparison in Farmington, Davis County, UT

In 2025, the USDA loan limit set for Farmington, within the county of Davis, UT, is $517,000, while the FHA limit for a single-family home is $744,050. Understanding these limits is essential for prospective homebuyers evaluating their financing opportunities in these areas.

Utilize the Lendersa® USDA loan calculator to effectively compare today's top USDA and FHA rates. This tool helps outline the necessary income, credit reserves, and documents needed to qualify. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting you in selecting the best loan program in tailored to your specific financial needs.

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Loan Limits and Downpayment Requirements for 2025 in Farmington, 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 Farmington, UT

The aim of Lendersa® is to swiftly obtain the best USDA or FHA loans for you without hassle. Choose one of three starting points that effectively connect you with suitable lenders and USDA loan programs tailored to your requirements.

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Understanding a USDA Loan in UT

The USDA home loan, often known as the USDA rural development loan or USDA mortgage, is a government-backed loan through the Department of Agriculture. It is uniquely available in rural neighborhoods and, unlike FHA loans that require a 3.5% minimum down payment, the USDA mortgage does not require any down payment, making it an appealing choice for eligible buyers in rural areas.

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



  • First American Wholesale Lending
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  • At FAWL we understand that in today’s market, home financing requires a company with a proven track record, financial strength and integrity. Our unwavering commitment to excellence in these three key areas has earned us a reputation as one of the most well respected companies in the industry.
  • Lendingbee, Inc
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  • Lending Bee, Inc. offers hard money loans on single-family residences, multi-family residences, commercial, industrial, and special purpose properties. We can do major rehab hard money loans, fix n’ flip loans, and ground up construction loans as well. We finance acquisition, development, refinance and Cash Out transactions.
  • Lending Bee
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  • "Lending Bee was established over a decade ago, and since then, has built a vast foundation of knowledge and experience. Our trained professionals are available to assist and guide you through the entire course of lending and financing. We understand that every hard money loan borrower is different and no situation is the same."
  • LBC Mortgage
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  • LBC Mortgage Solutions began as a small company back in 2008, focusing on residential mortgages, hard money lending, purchase money loans and FHA Financing for California residents.As time went by, we managed to establish a reputation of trustworthy provider of comprehensive real estate services.
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  • Our company specializes in the full spectrum of financial services. We pride ourselves in finding solutions to help clients navigate financial issues and plan for financial goals. We work with real estate purchases, listings, and property management. We also originate mortgages and other types of real estate financing.
  • HML Investments
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  • California Hard Money Lenders, Los Angeles Hard Money, Trust deed investments specialist, Hard money lending solution- we are a direct source for Hard money loans in California. HML Investments Group was founded by Yanni Raz in 2004. Since then, it has been providing hard money loans for hundreds of residential, commercial and construction.