USDA Loan Vs. FHA loan pro & con Farmington, Davis County, UT

In 2026, 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.

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.

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Farmington Lenders
(801) 451-5064 Lender's profile and map Horizon Credit Union 225 South 200 West, Farmington, UT, 84025 Lends in Utah Horizon Credit Union We are not a bank; we're a community-based, member owned credit union. Our goal everyday is to provide our members a better way to bank. At Horizon Credit Union you’ll find our checking and savings accounts offer benefits most traditional banks just can't, like competitive interest rates.
(801) 682-1722 Lender's profile and map Clear Capital Group 240 N. East Promontory, Suite 200, Suite 4428, Farmington, UT, 84025 Lends in Utah Clear Capital Group provides funding solutions for small and mid-size businesses by connecting clients with sorely needed capital resources that simply aren’t available in local banks and credit unions. Offering a literal buffet of financing options tailored to meet the needs of any business regardless of the stage of growth they are in as well as
(801) 979-6365 Lender's profile and map JH Home Loans 556 Rigby Rd, Farmington, UT, 84025 Lends in Utah As a local mortgage broker I am able to help you find the best rates and fees for your personal situation. Whether I am your first choice, or you just want a second opinion, I can help. It is not uncommon for me to be able to offer a similar rate to my competitors while paying most if not all the closing costs associated with a mortgage.
(801) 474-9300 Lender's profile and map Best Rates On Earth 722 West Shepard Lane, Suite 104, Farmington, UT, 84025 Lends in Utah At TruePointe Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(801) 295-4451 Lender's profile and map Integrity Home Loans, LLC 224 South Main Street, Centerville, UT, 84014 Lends in Utah Integrity Home Loans taking care of their clients in assisting them through the home buying and refinancing process. We understand that the lowest rates and closing costs matter. We simply give you our lowest rates and options upfront and let you decide. We love to educate our clients and always care of them with our service.
(801) 444-1399 Lender's profile and map Wasatch Capital Mortgage 697 North 240 East, Kaysville, UT, 84037 Lends in Utah At Wasatch Capital Mortgage we strive to make you a “client for life” and a part of our mortgage family. We want to be your first choice each and every time you need a home loan. We have a reputation of going above and beyond for every single client. Our goal is to earn the level of trust that will make you to feel confident.
(801) 294-6179 Lender's profile and map Ashby Financial Group, LC 326 Apricot Grove, Kaysville, UT, 84037 Lends in Utah Ashby Financial Group and Lewis Weaver with LW Real Estate have partnered up to provide our clients with an exceptional home buying experience! We provide all types of mortgage financing. We have Conventional, VA, FHA, USDA, Reverse Mortgage, 100% Purchase, non-conventional. We also provide retirement savings plans.
(801) 497-0756 Lender's profile and map Coventry Mortgage 610 N. Kays Drive, Suite 106, Kaysville, UT, 84037 Lends in Utah Coventry Mortgage is the right choice for Mortgages. We have built our business by satisfying our customers mortgage needs one loan at a time.We rarely advertise, our business is made up of referrals from happy customers and from creating relationships with borrowers that last a life time.
(801) 855-8535 Lender's profile and map Summit Home Loans 375 N Main St, Suite 201, Kaysville, UT, 84037 Lends in Utah Summit Home Loans is a residential mortgage brokerage that strives to provide the very best home financing experience in the industry. Our two main priorities are service and price, which we believe go hand in hand rather than trading one for the other. By providing a competitive and fun working environment.