USDA Vs. FHA Pro and Con comparison in Payson, Utah County, UT
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.
Thorough Overview: Loan Limits and Downpayment Requirements in 2025 for Payson, Utah, UT
Loan Type
Loan Limit
Down payment
USDA
$406,600
0%
FHA
$601,450
3.5%
Conventional Conforming
$726,200
3%
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.
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.
11417 West Bernardo Court, Suite I, San Diego, CA, 92127
Federal Capital Funding Group are Mortgage Experts in locating the best mortgage for your individual circumstances. We have extensive experience in the Jumbo, Super Jumbo, conforming mortgage, and particularly specialized in niche products. Our areas of expertise also includes customizing residential mortgage solutions.
10920 Via Frontera, Suite 520, San Diego, CA, 92127
We are a customer-centric organization who is determined to make our customers' financial goals become a reality both quickly and efficiently through a diverse platform of mortgage solutions. When each of our employees says "I care" it’s not just a statement, but a philosophy displayed through our professionalism and exceptional service.
11590 W. Bernardo Court, Suite 120, San Diego, CA, 92127
Capital Loan Associates is committed to helping you find the right mortgage product to fit your needs. We understand that every borrower is a little different, and that is why we offer a variety of products to meet your individual requirements. We strive to make the process of securing a mortgage simple
16875 W. Bernardo Drive, Suite 290, San Diego, CA, 92127
Pacific Horizon Financial, Inc. has offered attractive loan opportunities to both qualified borrowers and investors since 1989. Based in beautiful San Diego, CA, the company owes much of its success to a veteran, hands-on management team that follows the business model of investing in mortgages on commercial property.
16880 West Bernardo Drive, #140, San Diego, CA, 92127
TaliMar Financial is a California hard money lender that specializes in financing short term residential and commercial private money estate loans. We are currently focused on a providing capital for fix and flip, construction, and bridge loans. For more information on our lending programs.
The VAMC is veteran owned/operated. With many years in mortgages, Joshua will work hard to get you the best deal in the current market. He is assisted by his team of highly experienced processors and they have very fast turn times.
We have many years in the mortgage industry before starting this VA specific venture.
2011 Palomar Airport Rd, Suite 203, Carlsbad, CA, 92011
At Vantex Capital Group, hard money mortgage lending is our primary business. We have been a hard money lender since 2003 and our President has been originating hard money mortgage loans for over forty years. We pride ourselves on being able to give you an answer on your hard money loan request the same day.
6120 Paseo Del Norte, Suite A-2, Carlsbad, CA, 92011
PacificFirst Mortgage believes in the value of relationships and it's this idea that ensures that we provide each of our clients with the Very Best customer service found anywhere in the mortgage industry. Our dedicated team of financial professionals are trained and committed to have immediate communication with you concerning your mortgage needs.
