USDA VS FHA in Kearns, Salt Lake County, UT

In 2025, USDA loan limit in Kearns, county of Salt Lake, UT is $418,600 while FHA limit is $619,850 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Kearns, county of 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 in Kearns, UT

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Utah?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Abraham Mortgage LLC
  • 3084 Bellechase Court, Jacksonville, FL, 32216
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • American Lending Services Inc
  • 101 Century 21 Drive, Suite 109B, Jacksonville, FL, 32216
  • At American Lending Services Inc. your local Florida mortgage professional. As a licensed mortgage originator, my reputation is built on professionalism, integrity & the ability to keep transactions on track. I am dedicated to helping my clients obtain a mortgage that fits their specific financial goals. I am passionate about helping my clients,
  • Florida Mortgage corp
  • 6817 Southpoint Parkway, 1002, Jacksonville, FL, 32216
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan...
  • Sharp Mortgages, Inc
  • 8785 Perimeter Park Blvd., Jacksonville, FL, 32216
  • We are a full-service mortgage company based in Jacksonville, Florida. We specialize in first-time home buying in Jacksonville and Ponte Vedra. We also proudly serve greater Jacksonville, its surrounding cities and the following counties: Duval County, St. John's County, and Clay County.
  • Bayway Mortgage Group
  • 8833 Perimeter Park Blvd. Suite 402, Jacksonville, FL, 32216
  • Bayway Mortgage Group offers the strengths of a strong capital base and a committed business plan with a “down to earth” local consumer experience. We understand you’re making a commitment in us, you can be certain that we will do our utmost to handling all your mortgage needs giving you the confidence you need.
  • Signal Financial Federal Credit Union
  • 3015 University Blvd. W, Kensington, MD, 20895
  • Signal Financial Federal Credit Union is a full-service financial institution headquartered in Kensington, Maryland. Established in 1947, Signal now operates seven full-service branch offices in the District of Columbia, Maryland, and Virginia. Membership is open to select employer groups in the area, as well as individuals who live, work.
  • InFirst Federal Credit Union
  • 6462 Little River Turnpike, Alexandria, VA, 22312
  • InFirst Federal Credit Union is a member-owned cooperative, providing financial solutions to many active and all retired federal employees, associations, and businesses, members of the InFirst Responders Foundation, Inc, along with anyone who lives, works, worships or attends school in most of Salem, Roanoke, Botetourt, Vinton
  • Arlington Community Federal Credit Union
  • 2130 N Glebe Rd, Arlington, VA, 22207
  • Ever since we started in 1952, we have been passionate about empowering the financial lives of our members and giving back to our local community. It's who we are. Guided by our shared values, today our commitment is stronger than ever to provide remarkable service to each and every member, while continuing to provide a full array of financial prod