USDA Loan Vs. FHA loan for Payson, UT 2025

In 2025, the USDA loan limit for Payson, situated in Utah, UT, is set at $406,600. In comparison, the FHA loan limit for a single-family home stands at $601,450. These limits are pivotal for prospective homeowners as they outline the financing framework available in this specific region, helping potential buyers plan their home investment accurately.

Using the Lendersa® USDA loan calculator, you can now effectively compare today's top USDA versus FHA rates. This tool assists in calculating the necessary income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator offers a comprehensive side-by-side view of USDA, FHA, Conforming, and VA loans, guiding your decision in selecting the best program in to tailor to your financial situation.

Exploring USDA and FHA Loan Options in Payson, UT

Lendersa® aims to help you secure the most suitable USDA or FHA loans quickly and without unnecessary hassle. Choose one of three starting paths that efficiently match you with lenders and USDA loan programs suited to your requirements, ensuring a streamlined and efficient borrowing process.

Detailed view of Lendersa USDA loan request and matching results

Explaining the USDA Loan in UT

The USDA home loan, alternatively called the USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture. This loan is specifically designated for rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, the USDA mortgage features no down payment requirement, making it an exceptional choice for eligible buyers interested in rural properties, facilitating more accessible home ownership opportunities.

Get top 10
USDA LENDERS
customized to yout needes

(678) 212-5506 Lender's profile and map Reviews David Kilpatrick Financial LLC 8000 Avalon Blvd, Suite 100, Alpharetta, GA, 30009 Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(678) 543-4152 Lender's profile and map Reviews Home Town Mortgage 199 Academy St, Alpharetta, GA, 30009 As the Local Lender, our obligation is to help our friends finance their dream homes– but our PURPOSE goes much deeper than that. Our PURPOSE, and the reason we love doing what we do, is to help our clients get where they want to go. This means building a relationship outside the business transaction by helping our clients find a plumber.
(404) 844-8430 Lender's profile and map Reviews MILEND, INC 8995 Westside Parkway, Alpharetta, GA, 30009 MiLEND, Inc. has served thousands of home buyers and homeowners by providing them with a common-sense approach to the mortgage business. Since 1995, the mission has provided the foundation for MiLEND, Inc. to grow as we aim to consistently keep our customer's and partner's lives simple when purchasing or refinancing a home.
(678) 578-7600 Lender's profile and map Reviews CORNERSTONE MORTGAGE GROUP, LLC 41 Marietta Street, Alpharetta, GA, 30009 Cornerstone Mortgage Group, LLC. is a full-service mortgage lending institution based in Atlanta, GA. We are committed to differentiating ourselves from our competition by offering Raving Fan" customer service and building our business based off referrals and word of mouth advertising.
(813) 397-8291 Lender's profile and map Reviews Atlanta hard money 3220 West Roxboro Rd, Atlanta, GA, 30324 Atlanta, Georgia Based Friendly Hard Money. Owner Occ OK! Fast Approvals Based on Equity, Not Credit. Cash Out Any Reason. 30 Year Fixed. No Balloons, No Adjustments, No Prepayment Penalties!Hard Money. Owner Occ OK! Fast Approvals Based on Equity, Not Credit. Cash Out Any Reason. 30 Year Fixed. No Balloons.
(404) 832-5800 Lender's profile and map Reviews 1st Choice Credit Union 315 Auburn Ave, Atlanta, GA, 30303 1st Choice Credit Union was founded in 1946 to serve employees of Grady Hospital. Initially, it was named Hospital Authority Credit Union. The organization’s name was changed to 1st Choice Credit Union in 1991. 1st Choice Credit Union is a NCUA insured and CDFI credit union, headquartered on Atlanta’s historic Auburn Avenue.
(678) 406-4000 Lender's profile and map Reviews Citizens Trust Bank 260 Peachtree St Suite 1002, Atlanta, GA, 30303 We have built financial relationships since 1921 –we remain committed to providing personalized service and financial solutions to meet the growing needs of an entire community. Through a legacy built on principle, we go beyond meeting needs of offering banking products and service solutions; our mission is to financially empower our customers
(800) 533-2062 Lender's profile and map Reviews Georgia's Own Credit Union 100 Peachtree St, Suite 2800, Atlanta, GA, 30303 Georgia's Own was founded in 1934 by a group of telephone employees with an initial investment of $160. Since that time, the Credit Union has grown to be one of the largest Credit Unions in the state with assets over $2 billion and membership over 180, 000. In addition, we serve the employees of over 430 sponsor companies.