USDA and FHA Pro and Con in Layton, Davis County, UT
In 2026, the USDA loan limit for Layton in Davis county, UT is $517,000, whereas the FHA limit for a single-family home is $744,050.
Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA rates. Determine the income, credit score, reserves, and documentation required for qualification. Our enhanced mortgage calculator compares USDA, FHA, Conforming, and VA loan options side by side, assisting you in choosing the one that suits your financial situation in .
Loan limits and down payment requirements for Layton, Davis, UT in 2026
Loan Type
Loan Limit
Down payment
USDA
$517,000
0%
FHA
$744,050
3.5%
Conventional Conforming
$744,050
3%
Loan opportunities: USDA and FHA in Layton, UT
Lendersa® is dedicated to securing the most advantageous USDA or FHA loan quickly and conveniently. Choose from three options to connect with lenders and optimal USDA loan programs.
The USDA home loan, backed by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is specifically available to rural areas. Unlike FHA loans that necessitate a 3.5% minimum down payment, the USDA loan requires no down payment.
At First Community Bank, we don't aspire to a vision of transacting business. We aim for transforming lives. Everything we do as a bank goes towards helping our customers become empowered and succeed financially.
When you bank with First Community, your banker is more than just a face in the crowd.
Steve have been Home Mortgage Loans expert in Utah, doing home loans since 1996. He have the experience to walk you through any issues, concerns or circumstance. Steve can help you if you've had a bankruptcy, or foreclosure and He can show you how to easily become a real estate investor.
579 Heritage Park Blvd, Suite 201, Layton, UT, 84041
Lends in Utah
At IntroLend™ our mission is to greatly simplify the application, pre-approval and shopping phase of the housing finance process. Core to our value and services is to ensure that every client receives a competitive bid from multiple local and top-ranked mortgage and personal finance professionals.
Helping clients achieve their dream of home ownership is one of the greatest rewards of being a Mortgage loan officer. With over 12 years of experience in the Mortgage Industry, Todd Heath take his passion for helping others to a reality. As a Mortgage Professional, Todd committed to providing transparency to my clients.
1544 North Woodland Park Drive, Suite 320, Layton, UT, 84041
Lends in Utah
We are an independent mortgage brokerage. We work for our clients, not any particuler lander. We match our clients' needs and qualifications with the best-fitting rates & products from our many national lending partners.We are a team of caring experts – ready to guide & support each client on their bold journey to a new home.
1747 Heritage Lane, Suite B202, Syracuse, UT, 84075
Lends in Utah
Econ Mortgage prides itself on offering low rates, and costs, right out the gate! Compare us with your “guy/gal” and see why even loan officers do their financing through Econ Mortgage! We are a well-established company serving in Salt Lake City. As your premier Utah mortgage broker, we focus on providing you with the lowest rates.
As experienced loan officers we have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is our ultimate goal, and we are committed to providing our customers with mortgage services that exceed their expectations.
At Wasatch Capital Mortgage we strive to make you a “client for life” and a part of our mortgage family. We want to be your first choice each and every time you need a home loan. We have a reputation of going above and beyond for every single client. Our goal is to earn the level of trust that will make you to feel confident.
Ashby Financial Group and Lewis Weaver with LW Real Estate have partnered up to provide our clients with an exceptional home buying experience! We provide all types of mortgage financing. We have Conventional, VA, FHA, USDA, Reverse Mortgage, 100% Purchase, non-conventional. We also provide retirement savings plans.
