USDA VS FHA in Santa-Clara, Washington County, UT

For 2025, the USDA loan limit for Santa-Clara in the county of Washington, UT, is $331,200. On the other hand, the FHA limit for a single-family house is established at $414,000.

Leverage the Lendersa® USDA loan calculator today to effectively compare the optimal USDA versus FHA rates. This tool helps determine necessary qualifications like income, credit status, reserves, and essential documents. With our comprehensive mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side by side, enabling you to identify the ideal program for your financial scenario in .

Browse and compare loan offers from a wide array of 100 lenders

Examine 2025 Loan Limits and Downpayment Requirements in Santa-Clara, County of Washington, UT

Loan Type Loan Limit Down Payment
USDA $331,200 0%
FHA $414,000 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Alternatives in Santa-Clara, UT

At Lendersa®, our mission is to connect you swiftly with the most advantageous USDA or FHA loan, ensuring a seamless and hassle-free experience. Choose from three strategic starting points that facilitate matching with lenders and access to USDA loan programs.

Lendersa USDA loan requests and matching outcomes

Understanding USDA Loans in UT

A USDA home loan, which is guaranteed by the U.S. Department of Agriculture, is alternatively known as a USDA rural development loan or USDA mortgage. Available specifically in rural areas, this type of mortgage notably does not require any down payment, unlike FHA loans that demand at least a 3.5% down payment. The USDA loan is thus particularly appealing for eligible individuals aiming to purchase homes in rural locations.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • NEXHome Lending Offers a wide array of programs and options to meet your Home Financing needs. With over 30 years of experience in all facets of Residential Home Lending you can be assured of great advice and service Jim Van Buskirk is President of the NEXHome Lending A Mortgage Company
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