In 2026, within Smithfield, county of Cache, UT, the USDA loan cap is $517,000, contrasting with the FHA limit of $492,200 for single-family residences.
Utilize Lendersa®'s USDA loan calculator to compare the latest USDA and FHA rates. It helps identify the necessary income, credit score, reserves, and documents required for qualification. With our advanced tool, you can view USDA, FHA, Conforming, and VA loan options side-by-side, facilitating your financial decision-making in .
Loan Limits and Down Payment Requirements for 2026 in Smithfield, Cache, UT
Loan Type
Limit
Down Payment
USDA
$517,000
0%
FHA
$492,200
3.5%
Conventional Conforming
$726,200
3%
Loan Options - USDA and FHA in Smithfield, UT
The mission of Lendersa® is to connect you swiftly with the ideal USDA or FHA loan without difficulty. Begin with one of three options to find compatible lenders and programs.
The USDA home loan, guaranteed by the U.S. Department of Agriculture and known as the USDA rural development loan, is meant for rural areas only. Unlike FHA loans that require a 3.5% down payment, USDA loans require none, making them attractive for eligible applicants.
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.
We specialize in loans for veterans & active duty military service members. We work fast and move quick. We get loans done in as fast as 3 weeks from start to finish. No junk LENDER Fee's on VA Loans. We are a "wholesale mortgage lender to the public. We get better terms with zero lender fee's.
