USDA and FHA Pro and Con in Salt-Lake-City, Salt Lake County, UT
In 2026, the USDA loan limit in Salt-Lake-City, located in Salt Lake county, UT, is $362,400, while the FHA limit for a single-family home stands at $453,100.
Use the Lendersa® USDA loan calculator to evaluate the best current rates between USDA and FHA, and determine the income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, view the USDA, FHA, Conforming, and VA options side by side to decide which program in best suits your financial needs.
2026 Loan Limits and Downpayment Details in Salt-Lake-City, County of Salt Lake, UT
Loan Type
Loan Limit
Down Payment
USDA
$362,400
0%
FHA
$453,100
3.5%
Conventional Conforming
$600,300
3%
Discover USDA and FHA Loan Options in Salt-Lake-City, UT
Lendersa® aims to efficiently secure the best USDA or FHA loan for you, without any hassle. Choose one of three starting pathways that lead to matching lenders and USDA loan programs.
A USDA home loan, or USDA rural development loan, backed by the Department of Agriculture, is available solely in rural neighborhoods. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require zero down payment.
Salt Lake Neighborhood Housing Services (NHS), doing business as NeighborWorks® Salt Lake (NWSL), builds on the strengths of neighborhoods, creating opportunities through housing, resident leadership, and youth and economic development. We work in partnership with residents, government, and businesses to build and sustain neighborhoods of choice.
1009 North Allington Drive North, North Salt Lake, UT, 84054
Lends in Utah
Bonneville Financial Services, Inc. was founded by Maria Thomson Frady in August 2003. She began her career in the Housing Market as a Real Estate Agent in Brazil in 1990. As an Independent Real Estate Agent, she focused on assisting her clients in buying, selling, and leasing properties in Recife, PE-Brazil.
1678 South Pioneer Road, Salt Lake City, UT, 84104
Lends in Utah
Our motto, ""Friends Helping Friends"" represents the credit union's desire to serve the Varex employees, retirees and their families by customizing our service to meet each member's unique needs. We want to be our members' financial institution of choice for loans and savings by offering highly competitive rates.
15 West South Temple, Suite 420, Salt Lake City, UT, 84101
Lends in Utah
Continental Bank is a privately owned FDIC insured commercial bank founded in 2003 and headquartered in Salt Lake City, Utah. We specialize in commercial equipment financing for small and medium-sized businesses nationwide and are known both for our willingness to listen to our customers’ needs, and ability to fund their deals quickly.
650 S Main Street, Suite 1000, Salt Lake City, UT, 84101
Lends in Utah
EnerBank USA is a highly specialized, national consumer lender that helps strategic business partners and independent home improvement contractors increase sales. Strategic business partners include manufacturers, distributors, franchisors, member or trade associations, and major retailers of home improvement, remodeling, and energy saving products
222 S Main St, Suite 500, Salt Lake City, UT, 84101
Lends in Utah
Nelson Funding specializes in funding commercial mortgages Nationwide, US Territories, Mexico, Canada, and Caribbean. All property types eligible including hospitality, multifamily, industrial, retail, office, cannabis, special use, and more. Vanilla bridge loans close in 10 days or less. Challenging situations usually close in 14-21 days.
825 North 300 West, Suite C423, Salt Lake City, UT, 84103
Lends in Utah
At Integrity Lending, LLC, 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
268 South State Street, Suite 300, Salt Lake City, UT, 84111
Lends in Utah
Celtic Bank is a Bank with operations in fifty states. Celtic Bank offers numerous mortgage programs including jumbo, non-owner occupied, FHA and construction mortgages. Celtic Bank specializes in construction loans.Headquartered in Salt Lake City, Utah, Celtic Bank was named the 6th largest SBA lender in the nation for FY 2015.
111 S. Main St, Suite 1600, Salt Lake City, UT, 84111
Lends in Utah
Bonneville Multifamily Capital has been a division of Bonneville Real Estate Capital (BREC), a full-service mortgage banking firm, since 2003. Since 1975 BREC has originated in excess of $6 billion in interim and long-term loans and sales on real property across the United States.
