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.
Water and Power Community Credit Union was formed in 1936 by 10 employees of the Department of Water and Power (DWP). Through the years, WPCCU has helped members send their children to college, save for retirement, purchase a vehicle and a home. The credit union was the place where countless members turned to solve life's financial challenges.
Cathay Bank is a bank with operations in nine states. Cathay Bank offers numerous mortgage programs including conventional, jumbo, non-owner occupied and Community Home Buyers Program mortgages and our clients remain the same. Everyone believes in the power of initiative and perseverance.
At Instant Bad Credit Loans, we can help you find a lender for poor credit loans. Even with your bad credit status, you could still be eligible for loans for people with bad credit. Online lenders generally use their own formula to determine eligibility, so having a bad credit history doesn't mean you can't be pre-approved.
3478 Buskirk Avenue, Suite 1000, Pleasant Hill, CA, 94523
Bridgepoint Funding is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you.
2300 Contra Costa Boulevard, Suite 315, Pleasant Hill, CA, 94523
UHM is the first USA mortgage brokerage in Dubai. United Home Mortgage was founded in California in 1994 . Since then the company has earned an outstanding reputation in the marketplace with its clients, financial institutions and banks. The foundation of UHM is unwavering stance on conducting business with the highest ethical standards.
391 Taylor Blvd, Suite 110, Pleasant Hill, CA, 94523
We are proud to assist both new and existing homeowners with providing all financing options and solutions at our disposal. Whether you are purchasing a new home or need to refinance your existing loan, our commitment is providing the best loan programs and lowest possible interest rates to suit your needs.
367 Civic Drive, Suite 1, Pleasant Hill, CA, 94523
At Financial Network Funding Group, 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.
3478 Buskirk Avenue, Suite 1001, Pleasant Hill, CA, 94523
"We are committed to work with you and find the best alternative financial mortgage product to achieve your goal of homeownership.
In these times of uncertainty where trust is an important factor at AFG we strive for excellence and building your trust as our long time client. We have the product, knowledge and right attitude to provide the result
