USDA Vs. FHA Pro and Con comparison in Silver-Summit, Summit County, UT

As of 2026, the USDA loan ceiling in Silver-Summit, within Summit county, UT, is quantified at $654,100. In contrast, the FHA loan cap for a single-family dwelling stands at $817,650.

Explore Lendersa® USDA loan calculator to evaluate current USDA and FHA rates. It aids in identifying the requisite income, credit score, reserves, and necessary documentation for qualification. With our comprehensive mortgage calculator, you can assess USDA, FHA, Conforming, and VA programs side by side to choose the one that best suits your financial needs in .

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Loan ceiling and down payment details for 2026 in Silver-Summit, Summit county, UT

Loan Type Loan Limit Down Payment
USDA $654,100 0%
FHA $817,650 3.5%
Conventional Conforming $817,650 3%

Exploring USDA and FHA loan choices in Silver-Summit, UT

At Lendersa®, our mission is to offer you the ideal USDA or FHA loan swiftly and effortlessly. Initiate your journey with one of three options that lead to aligning you with lenders and USDA loan schemes.

Lendersa USDA loan request and matching results

An Introduction to USDA Loans in UT

A USDA home loan is secured by the U.S. Department of Agriculture—frequently referred to as a USDA rural development loan or USDA mortgage—and it is applicable exclusively in rural areas. Distinct from FHA loans, which require at least a 3.5% down payment, a USDA mortgage calls for no down payment.

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



  • GATE CITY BANK
  • 304 E Rosser Ave, Bismarck, ND, 58501
  • Gate City Bank’s privilege to be a hometown bank that provides excellent service that is convenient, friendly, and personalized. We are proud to be the #1 mortgage lender in North Dakota with locally approved and financed home loans. Gate City Bank is also unique in offering our checking customers.

  • Entrust Capital Funding
  • 2077 N Zaragoza Rd, Suite B202, El Paso, TX, 79938
  • The Entrust Capital Funding vision begins with a belief that real estate investments are a smart way to grow your assets and protect your financial future. As a private money lender, we focus on helping others obtain success. By providing investors and entrepreneurs with fast and reliable hard money loans.

  • Five Points Bank
  • 2015 N. Broadwell Ave, Grand Island, NE, 68803
  • Five Points Bank is a family-owned bank born out of a need for quality, personalized banking in the Grand Island community. Our customers will always be the priority at Five Points Bank. When it was founded in September of 1971, the Five Points Bank claimed the first bank charter in the area in May of 1971.

  • Kirkwood Bank & Trust
  • 2911 North 14th Street, Bismarck, ND, 58503
  • Kirkwood Bank & Trust was chartered by the North Dakota Department of Banking and Financial Institutions in February 1975 as Bank of Kirkwood Plaza. In 1981, Bank of Kirkwood Plaza was sold to a Fargo banker and re-named Dakota Bank & Trust Company. The bank was sold to its present stockholders in 1987 and re-named Kirkwood Bank & Trust.

  • Oregon Coast Bank
  • 909 SE Bay Boulevard, Newport, OR, 97365
  • In 2001, a group of local business owners realized that the unique needs of companies on the Oregon Coast—the fisheries, logging outfits, motels, restaurants, and shops that have always been the backbone of our communities—just weren’t being served well by the big banks. So they decided to build a bank dedicated to supporting the people

  • TruCommunity Bank
  • 102 North Main Street, Garrison, ND, 58540
  • TruCommunity Bank would become the name of Farmers Security Bank, Garrison State Bank & Trust, and Bank of Turtle Lake. TruCommunity Bank will remain at the heart of our communities and is very dedicated to being the great local banks you know and love. Visit one of our 4 locations in Garrison, Max, Turtle Lake, and Washburn.

  • Bank of Hazelton
  • 363 Main Street, Hazelton, ND, 58544
  • Bank Of Hazelton is a branch office of Bank Of Hazelton. They provide the following services: Full Service Office Location and are located at 363 Main St in Hazelton North Dakota.
    Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number,

  • PUD Federal Credit Union
  • 960 Commerce Avenue, Longview, WA, 98632
  • At PUD Federal Credit Union we know you have many great choices in our local area for your financial needs, and we’ll go the extra mile to earn your business. Unlike banks, we are a non-profit which means we return our profits to you, our member-owners, which means better rates, lower fees and special discounts.

  • Mint Valley Federal Credit Union
  • 3325 Washington Way, Longview, WA, 98632
  • Mint Valley Federal Credit Union will be a financial cooperative committed to providing quality financial services to its members. We will operate primarily within the region, but will service members beyond this area through their places of work, by phone, or by mail as required.

  • Lower Columbia Longshoremen's Federal Credit Union
  • 629 14th Avenue, Longview, WA, 98632
  • Lower Columbia Longshoremen's FCU exists to provide each member with personal, professional, convenient and competitive financial services. Once you join your family members are eligible, too. This includes grandparents, parents, spouses, siblings, grandchildren, and children, they can extend the membership opportunity to their family members, too.

  • Red Canoe Credit Union
  • 1418 15th Ave, Longview, WA, 98632
  • We're passionate about helping our members achieve their financial dreams. We're dedicated to hiring passionate, knowledgeable, and dependable individuals who are service-oriented and attentive to detail. If you're looking for a rewarding career in the financial industry and enjoy providing excellent customer service.

  • Life Mortgage
  • 842 Washington Way, Suite 110, Longview, WA, 98632
  • Mann Mortgage has been helping home buyers turn their dream of homeownership into reality for 30 years. We offer a variety of home loan solutions, including FHA, VA, Conventional, FHA 203k (Rehab) financing, USDA, low FICO loan options, investor loans, first time home buyer loans and more. Please select a loan type from the options below to learn