USDA Vs. FHA Pro and Con comparison in Kearns, Salt Lake County, UT
In 2025, within Kearns of Salt Lake County, UT, the USDA loan limit is currently $418,600. For a single-family home, the FHA limit is set at $619,850. Understanding these specific limits is essential for prospective homebuyers considering their financing possibilities in the area.
Utilize the Lendersa® USDA loan calculator to effectively compare today’s USDA and FHA rates. This tool helps you ascertain the necessary income, credit, reserves, and required documents to qualify. Our state-of-the-art mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side. It assists you in choosing the best program in tailored to your financial needs.
An Overview of 2025 Loan Limits and Downpayment Requirements in Kearns, Salt Lake, UT
Loan Type
Loan Limit
Down payment
USDA
$418,600
0%
FHA
$619,850
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options Available in Kearns, UT
Lendersa® aims to promptly deliver the best possible USDA or FHA loans, ensuring a hassle-free process. Choose from one of three starting steps designed to connect you with suitable lenders and USDA loan programs.
The USDA home loan, also referred to as the USDA rural development loan or USDA mortgage, is endorsed by the Department of Agriculture. It is tailored for rural neighborhoods only. Distinctively, unlike FHA loans requiring a minimum of 3.5% down payment, the USDA mortgage requires neither down payment nor significant initial capital, making it an accessible path to homeownership for those eligible.
FirstBank Southwest is a community bank with nine banking center locations in Amarillo, Booker, Hereford, Pampa, and Perryton, Texas. In addition to our convenient branches, we also offer convenient digital banking for both consumer and commercial needs.
In 2020 and 2021, The American Banker awarded FirstBank Southwest as a Best Bank
Our goal is simple. Deliver the best possible Banking experience so our customers & clients can better manage their finances. We provide a full range of quality financial products that include commercial, consumer, investment & trust services in TX, Ok & CO. Our board of directors, local leadership are committed to exceeding customer expectations.
Open Mortgage is not affiliated with any governmental agency. The material shown on this site is for informational purposes only and is not an offer to lend or extend credit. All applications are subject to underwriting approval and guidelines. Not all applicants will qualify for loan products described.
1977, Consumer’s Federal Credit Union opened its doors in a small room located in the local Rosebud Farmer’s Union building. For twenty-three years, this is where the Credit Union called home. In October of 2000, the Credit Union broke ground at its current location on Highway 18. Subsequently.
At Borger Federal Credit Union, our members matter most. We strive to have individual relationships with all of our members, providing the most insight, education and strongest relationships in the Panhandle. We’ve served our community for over 50 years and as a Credit Union that is owned by you, we are able to offer lower rates on loans.
At PUD Federal Credit Union we know you have many great choices in our local area for your financial needs, and we’ll go the extra mile to earn your business. Unlike banks, we are a non-profit which means we return our profits to you, our member-owners, which means better rates, lower fees and special discounts.
Mint Valley Federal Credit Union will be a financial cooperative committed to providing quality financial services to its members. We will operate primarily within the region, but will service members beyond this area through their places of work, by phone, or by mail as required.
Lower Columbia Longshoremen's Federal Credit Union
629 14th Avenue, Longview, WA, 98632
Lower Columbia Longshoremen's FCU exists to provide each member with personal, professional, convenient and competitive financial services. Once you join your family members are eligible, too. This includes grandparents, parents, spouses, siblings, grandchildren, and children, they can extend the membership opportunity to their family members, too.
