FHA Vs. USDA loan program for Payson, Utah County, Utah

In 2026, 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.

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Payson Lenders
(801) 798-7280 Lender's profile and map First National Mortgage 397 North Main Street, Spanish Fork, UT, 84660 Lends in Utah First National Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
(801) 893-6636 Lender's profile and map Remarkable Home Loans 62 E 800 N, Suite 202, Spanish Fork, UT, 84660 Lends in Utah Remarkable Home Loans team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
(801) 377-1036 Lender's profile and map Green Dot Bank DBA Bonneville Bank 1675 North 200 West, Provo, UT, 84601 Lends in Utah Bonneville Bank is located in Provo, UT, United States and is part of the Depository Credit Intermediation Industry. Bonneville Bank has 1 total employees across all of its locations and generates $6.86 million in sales (USD). Bonneville Bank was established on May 15, 1978 at its present location of 1675 North Freedom Boulevard in Provo, Utah.
(877) 227-4365 Lender's profile and map 1st Choice Money Center 984 S. University Ave, Provo, UT, 84601 Lends in Utah 1st Choice Money Center was founded to provide fast, easy and responsible loans to help you and your family through those times when a little extra cash makes all the difference. We understand that life throws us curveballs when we least expect it, so at 1st Choice we offer a wide range of loan products to give you relief when you need it most.
(801) 221-9400 Lender's profile and map Nationwide Reverse Mortgages 109 W 920 S, Suite 200, Provo, UT, 84601 Lends in Utah We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. Nationwide Reverse Mortgages, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!
(801) 223-8188 Lender's profile and map Utah Community Credit Union PO Box 1900, Provo, UT, 84603 Lends in Utah Utah Community Credit Union is an organization rooted in the credit union philosophy of “people helping people” and built on traditional values of commitment to outstanding service, respect for others, and fiscal responsibility. We hold ourselves to the highest standards of honesty.
(801) 833-0643 Lender's profile and map Paradigm Commercial Capital 289 E 930 S, Orem, UT, 84058 Lends in Utah M5 Commercial Funding is a lending network which connects residential loan officers and mortgage brokers with the best commercial lending programs. Our team has over 30 years’ experience financing commercial property across the United States. M5 Commercial Funding is located at 4, 500 ft above sea level, in the silicon slopes of the Rocky Mountains
(801) 871-3739 Lender's profile and map VA Help Center, LLC 561 South Orem Boulevard, Suite K-4, Orem, UT, 84058 Lends in Utah "VA Help Center is grateful to our military and would be honored to serve those who have already given so much for our country. We appreciate the sacrifices you have made. We would be grateful to offer our services to help with your purchase or refinance of a home. Our VA home loan specialists have been serving veterans for over 16+ years."
(801) 764-0111 Lender's profile and map Security Home Mortgage 576 State St, Orem, UT, 84058 Lends in Utah Security Home Mortgage is a mortgage bank, meaning we underwrite and fund our own loans in-house. This translates into fast loan approvals and closings, getting you into your home sooner. It also means there is no middleman.We offer a number of loan programs to help you purchase a new home, some with as little as 0% down