USDA Vs. FHA Pro and Con comparison in Murray, Salt Lake County, UT

In 2025, in the city of Murray, located in the county of Salt Lake, within UT, the USDA loan limit is established at $418,600. For a single-family home, the FHA loan limit is $619,850, providing potential homeowners with options depending on their needs and eligibility.

To compare today’s top rates for USDA and FHA loans, use the Lendersa® USDA loan calculator. This tool will help you ascertain the necessary income, credit scores, reserves, and required documents to meet qualification criteria. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans closely, presenting them side by side, guiding you to choose the best loan option in for your specific financial situation.

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Comprehensive Loan Limits and Downpayment Requirements for 2025 in Murray, 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%

Exploring Available USDA and FHA Loan Options in Murray, UT

The primary objective of Lendersa® is to facilitate your access to the most advantageous USDA or FHA loans swiftly, without any difficulties. You can select from three initial strategies to discover lenders that match well with your profile and the USDA loan programs that suit your needs best.

Illustrative Lendersa USDA loan request and matching process results

Defining What a USDA Loan is in UT

The USDA home loan is a financial product guaranteed by the United States Department of Agriculture, commonly referred to as the USDA rural development loan or simply USDA mortgage. It is available exclusively within rural communities. Unlike the FHA loan, which necessitates a minimum down payment of 3.5%, the USDA mortgage requires no down payment. This makes the USDA loan a very attractive option for eligible buyers looking to purchase a home in these designated areas.

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



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