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
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| Loan Type | Loan Limit | Down payment |
| USDA | $406,600 | 0% |
| FHA | $601,450 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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