For 2026, the USDA loan limit in Highland, part of Utah county, UT, is set at $406,600. In contrast, the FHA limit for a single-family home is $601,450. These limits play a critical role in informing prospective homeowners about their financing possibilities, allowing them to assess and tailor their options to suit their budget and needs.
To effectively compare top USDA and FHA rates, utilize the Lendersa® USDA loan calculator. This valuable tool helps determine the necessary income, credit score, reserves, and documentation required to qualify for these loans. Through our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side by side. This feature facilitates informed decision-making, helping you select the best program available in
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| Loan Type | Loan Limit | Down payment |
| USDA | $406,600 | 0% |
| FHA | $601,450 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our mission is to secure the optimal USDA or FHA loans for you efficiently and hassle-free. Begin by selecting one of three strategic paths designed to match you with compatible lenders and USDA loan programs that perfectly align with your requirements, ensuring a smooth and effective path to securing funding.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is a special financing product guaranteed by the Department of Agriculture. This loan is exclusively available to those purchasing in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all. This makes the USDA loan an exceptionally attractive option for eligible buyers, facilitating greater accessibility to home ownership in rural areas.
Enter your location to find out if it qualifies for USDA rural housing loan?
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