As of 2026, the USDA loan limit in Orem, situated in the county of Utah, UT, is set at $406,600, while the FHA limit for a single-family residence is $601,450.
Utilize the Lendersa® USDA loan calculator today to contrast current USDA and FHA rates. This tool helps assess the income, credit, reserves, and documentation necessary to qualify. Our sophisticated mortgage calculator allows you to examine USDA, FHA, Conforming, and VA loans side by side, making it easier to decide which option in aligns best with your financial situation.
Loan limits and down payment criteria in Orem, Utah, UT for 2026
Loan Type
Loan Limit
Down payment
USDA
$406,600
0%
FHA
$601,450
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA loans in Orem, UT
At Lendersa®, our priority is to quickly and seamlessly secure the most favorable USDA or FHA loan for you. Choose from three initial approaches to connect with matching lenders and suitable USDA loan offerings.
The USDA home loan is backed by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, the USDA mortgage does not necessitate any down payment.
Lana Lesser is the owner / broker of Preferred Mortgage. She has been doing loans with Preferred Mortgage for 23 years, with an office located in Orem. Lana really prides herself on being able to establish a personal relationship during the loan process. She really enjoys the return clients, referrals and friendships this creates
560 South State Street, Suite H-1, Orem, UT, 84097
Lends in Utah
Evergreen Mortgage, LLC is likely the largest purchase most of us will ever make. Consequently, a mortgage will likely be our greatest financial obligation, so it's important to understand the associated options, process, and ramifications. Not only do we offer some the lowest rates and costs in the industry.
Strategic Lending has served the lending needs of Utah residents since 2004. As a mortgage brokerage, Strategic Lending offers many advantages over other brokerages. Not only do we do comprehensive Pre-Qualifications for all interested parties, even before a loan is originated, we are also nationally recognized experts in investment lending
Gravity Capital LLC is a direct lender that provides lending solutions to help establish marketplace scenarios to connect accredited investors to entrepreneurs who need quick, quality funding sources for solid business real estate ventures. Whether you need funding to finish a real estate property project, or you need money to update your company’s
Rock Canyon Bank is dedicated to providing quality financial solutions in a secure and timely manner while providing the professional and personal attention you deserve. We know you have many choices when it comes to banking services and we invite you to bank with us and feel the difference at Rock Canyon Bank.
Secure Private Funding will help you receive cash back on your free and clear rental properties and assist you with your investment real estate purchases. We will not check your credit score or look at your monthly income for you to qualify for our loans. You will increase your working capital to better take advantage.
Alpine Credit Union customize a home loan to fit your specific needs. We can provide you with several financing options. These options all provide you with a competitive rate, low closing costs, and fast approval/funding. Benefits of using Alpine Credit Union’s Mortgage Department.
Empire Mortgage and Investment, L.C have been serving Utah home and investment property owners since 1998 and have a wealth of experience to counsel you through the lending process. As a broker, we contract with different wholesale lenders to help you obtain the best mortgage terms possible.
First Colony Mortgage Corporation is a full service mortgage banking company serving Utah, Colorado, Idaho, Arizona, Oregon, and Wyoming. First Colony was founded in 1984 by John M. Aldrich and Scott Shelley. Most mortgages are processed, underwritten and closed in house. Since inception First Colony has funded over 50,000 mortgages.
