USDA Vs. FHA Pro and Con comparison in Richmond, Cache County, UT
In 2026, the loan limit for a USDA mortgage in Richmond, located in the county of Cache, UT, is $517,000. Conversely, the FHA limit for a single-family home is $492,200.
The Lendersa® USDA loan calculator can assist in comparing the current top USDA and FHA rates to help you identify the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator additionally displays USDA, FHA, Conforming, and VA options side by side, supporting you in choosing the most fitting program for your specific financial needs in .
2026 Loan Limits and Down Payment Requirements in Richmond, Cache, UT
Loan Type
Loan Limit
Down Payment
USDA
$517,000
0%
FHA
$492,200
3.5%
Conventional Conforming
$726,200
3%
Overview of USDA and FHA Loan Choices in Richmond, UT
The goal of Lendersa® is to efficiently secure the best possible USDA or FHA loan for you without unnecessary hassle. Choose from three pathways to connect with matching lenders and explore USDA loan programs.
A USDA home loan, supported by the Department of Agriculture, often called a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans need no down payment.
Diversified Home Loans has an all-star team, dedicated to the needs of our clients. Collectively we have experience with all types of loans, and can help people in any and all loan situations.Our promise to all our clients is to offer the very best financial advice and to consistently exceed your expectations.
Founded in 1999, Wasatch Mortgage Solutions is a mortgage lender in Logan, Utah. We're licensed to do home loans in all of Utah and Idaho, even though we call Cache Valley home and As a mortgage lender, we offer a wide variety of home loan programs including Conventional, FHA, VA, USDA, and Portfolio home loans
Our goal is to professionally and courteously serve the financial needs of our members, while maintaining a sound financial position. We love our community and are grateful to serve you! We provide various deposit accounts, consumer loans, credit cards, home equity loans, electronic account access and online Bill Pay. We are a Credit Union located
North Star Mortgage understands that purchasing a home is one of the biggest purchases of a lifetime. Our competitor’s approach to the mortgage process is notorious for being drawn out, stressful, and risky. We’ve streamlined our process to ensure that the experience of obtaining your mortgage.
Elevate Credit Union is your lifelong financial advocate and we will be there to walk with you through all the journeys and experiences of your financial life. Join us. Let’s create something great together!vate Credit Union is your lifelong financial advocate and we will be there to walk with you through all the journeys.
2650 N 300 E St, Suite 220, North Ogden, UT, 84414
Lends in Utah
At Great American Lending, we provide you peace of mind for your home loan. We have the experience to find great rates and service, not to mention the flexible options you’re looking for. Don’t wait for another company to get around to your loan, come to our mortgage company and see how smooth and painless the home loans process can be.
Fidelity First Funding was established in July, 2000 and has been helping to make home ownership possible for clients throughout Utah and Idaho ever since. With the combined experience of our expert team, we will be able to get you into the home of your dreams. We have funded over $900 Million loans over the last 19 years.
