In 2025, 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
| Loan Type | Loan Limit | Down Payment |
| USDA | $517,000 | 0% |
| FHA | $492,200 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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