USDA Vs. FHA Pro and Con comparison in North-Salt-Lake, Davis County, UT
In 2025, the USDA loan limit for North-Salt-Lake in the Davis county of UT is $517,000, whereas the FHA limit for a single-family home is $646,300. These limits are key for prospective buyers looking to understand their available financing options.
Utilize the Lendersa® USDA loan calculator to compare the current USDA and FHA rates. This tool helps calculate the necessary income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side to select the best program in for your financial strategy.
Loan Limits and Downpayment Requirements for 2025 in North-Salt-Lake, Davis, UT
Loan Type
Loan Limit
Down payment
USDA
$517,000
0%
FHA
$646,300
3.5%
Conventional Conforming
$646,300
3%
USDA and FHA Loan Options in North-Salt-Lake, UT
At Lendersa®, our goal is to find you the best USDA or FHA loan options quickly and smoothly. Begin by choosing one of three paths to connect with matching lenders and USDA loan programs tailored to your needs.
The USDA home loan, also called the USDA rural development loan or USDA mortgage, is guaranteed by the government Department of Agriculture. This option is specifically available in rural areas and, unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage does not require any down payment, making it a highly attractive option for eligible buyers.
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