USDA Loan Vs. FHA loan for Provo, UT [Utah County ]

In 2025, the USDA loan limit in Provo, part of Utah county, UT, is set at $406,600. In contrast, the FHA limit for a single-family residence is $601,450.

Lendersa® offers a USDA loan calculator to compare today's prime USDA and FHA rates, helping you determine the income, credit rating, reserves, and documentation necessary to qualify. Our advanced mortgage calculator lays out USDA, FHA, Conforming, and VA options side by side, facilitating your decision about which program in is optimal for your financial needs.

Explore USDA and FHA Loan Options in Provo, UT

The objective of Lendersa® is to quickly secure the most advantageous USDA or FHA loan for you, with minimal hassle. Choose one of three initial paths that connect you with matching lenders and USDA loan programs.

Image showing Lendersa's USDA loan request and matching outcomes

What Exactly is a USDA Loan in UT?

A USDA home loan, commonly known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is solely available in rural neighborhoods. Unlike FHA loans, which mandate a minimum down payment of 3.5%, USDA loans require no down payment at all.

Get top 10
USDA LENDERS
customized to yout needes

(612) 222-1333 Lender's profile and map Reviews Lend Smart Mortgage 100 Bridgepoint Dr, Suite 190, South Saint Paul, MN, 55075 Lend Smart Mortgage has operated as a mid sized, locally owned retail lender since inception in 2006. We have made several acquisitions over the years to continue our planned growth and expand our licensing base. We are direct lenders and seller/servicers with both Fannie Mae and Freddie Mac which means we control the entire mortgage process
(507) 582-3448 Lender's profile and map Reviews United Farmers State Bank 15 4th Street Sw, Adams, MN, 55909 United Farmers State Bank was chartered on January 17, 2014 when its parent banks, Farmers State Bank of Adams and Farmers State Bank of Elkton joined forces. The officers are Timothy Schneider, President; Brian Wolff, Vice-President; Curt Sheely, Vice-President, Eric Lee, Vice-President; Mike Smith, Asst Vice-President, and Steve Leif, Asst. Vice-
(651) 747-1500 Lender's profile and map Reviews SMW Financial LLC 700 Apollo Drive, Circle Pines, MN, 55014 SMW Financial Credit Union's mission is to build trusted relationships and strong financial futures for our members. Membership is open to anyone who lives, works, worships, goes to school or volunteers in Anoka, Hennepin, Ramsey or Washington Counties of Minnesota. We play an active role in supporting those communities through.
(641) 228-6612 Lender's profile and map Reviews Family Community Credit Union 1211 N Grand Avenue, Charles City, IA, 50616 Family Community Credit Union is unique because it is a member-owned, not-for-profit financial organization. It was formed in May of 1960. In order to become a member, you were required to have a union affiliation. In 1982, the members voted to become a Community Credit Union so services could be extended to anyone.
(800) 272-0159 Lender's profile and map Reviews First Security Bank & Trust Co 809 Clark St, Charles City, IA, 50616 The mission of First Security is to remain an independent financial service organization, characterized by progressive innovation, outstanding financial performance and a full complement of financial solutions for consumers and businesses. First Security will be a profitable community-oriented bank, responsive to the needs.
(417) 846-1719 Lender's profile and map Reviews Freedom Bank of Southern Missouri 97 South Main, Cassville, MO, 65625 Freedom Bank of Southern Missouri is a locally owned independent community bank servicing customers in Cassville, Willard, Monett, Aurora, Seligman, Shell Knob, Golden and the surrounding outlying areas. Freedom Bank offers a wide variety of products, services and competitive rates to meet the credit needs of the consumer.
(651) 437-4433 Lender's profile and map Reviews Vermillion State Bank 107 E Main St., Vermillion, MN, 55085 Vermillion State Bank is a community bank with six locations in the southeast Twin Cities metro area. Founded in 1918, we take pride in our commitment to providing excellent customer service by keeping banking simple. We offer our customers experienced advice, not sales, in the areas of Personal & Commercial Banking.
(651) 602-8105 Lender's profile and map Reviews Metropolitan Services Credit Union 475 Etna Street, Suite 10, Saint Paul, MN, 55106 As a member-owned credit union, the first step in opening an account is to open a Share Savings Account with a $5.00 deposit. This deposit represents your share in the Credit Union. It provides you with the privilege of voting for your Board of Directors, Committees and to participate in the variety of services available.
(320) 679-3100 Lender's profile and map Reviews Neighborhood National Bank 15 Minnesota Ave S, Aitkin, MN, 56431 Neighborhood National Bank is committed to serving our community's financial needs with quality products and services, while exceeding our customer's expectations with our friendly and professional staff. We offer both personal and business banking as well as an array of loan services available. Get the best rates available on consumer
(479) 756-8811 Lender's profile and map Reviews United Bank 2600 S Thompson St, Springdale, AR, 72764 United Bank (Arkansas) is a Bank with operations in one state. United Bank (Arkansas) offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA and construction mortgages and For over 40 years, United Bank has been a locally owned community Bank with a geographic focus on Northwest Arkansas.
(417) 777-3322 Lender's profile and map Reviews LimeBank 1630 S. Killingsworth Ave., Bolivar, MO, 65613 LimeBank (formerly Farmers State Bank) is an FDIC-insured & Equal Housing Lender certified bank serving the community of Bolivar, MO & the surrounding area. With four convenient branch locations in Bolivar, Galmey, and Pittsburg, plus four free regional ATMs, LimeBank proudly serves clients from southwest Missouri & the greater Springfield region.