USDA and FHA Pro and Con in Kaysville, Davis County, UT

During 2025, the USDA loan limit in Kaysville, county of Davis, UT is $517,000, while the FHA limit for a single-family home is $744,050. These limits are crucial for buyers in understanding their financing possibilities.

With the Lendersa® USDA loan calculator, you can compare the best rates available for USDA versus FHA loans and determine the necessary income, credit, reserves, and documentation for qualification. By employing our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping to choose the best program in for your specific financial scenario.

Compare comprehensive loan offers from 100 lenders to make informed decisions

2025 Loan Limits and Downpayment Requirements in Kaysville, County of Davis, UT

Loan Type Loan Limit Down payment
USDA $517,000 0%
FHA $744,050 3.5%
Conventional Conforming $744,050 3%

Exploring USDA and FHA Loan Options in Kaysville, UT

The primary goal of Lendersa® is to promptly secure the best USDA or FHA loan options for you without hassle. Choose from one of three initial strategies that connect you with matching lenders and appropriate USDA loan programs aligned with your needs.

Illustrative view of Lendersa USDA loan request and matching results

Understanding What a USDA Loan is in UT

The USDA home loan, also called the USDA rural development loan or USDA mortgage, is guaranteed by the government Department of Agriculture and is tailored for designated rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all, making it an appealing option for eligible buyers in these areas.

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



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  • First Mortgage Corporation of Winter Haven is a licensed mortgage lender in the State of Florida. We make and service loans for qualified individuals. We're a family run business; we understand the importance of investment in community. In these difficult times, its comforting to know there is someone who cares on the other end of the phone.
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