USDA Loan Vs. FHA loan for South-Ogden, UT 2026

In 2026, the USDA loan limit allocated to South-Ogden, nestled within Weber County, UT, is $517,000. Meanwhile, the FHA loan limit for purchasing a single-family home is $646,300. These figures are essential for potential homebuyers, helping clarify the financing options and limits available as they explore homeownership possibilities in these locations.

To navigate today’s lending environment, you can utilize the Lendersa® USDA loan calculator to effectively compare the prevailing USDA versus FHA rates. This tool assists in understanding the income, credit qualifications, reserves, and paperwork necessary to qualify. With our advanced mortgage calculator, you gain access to compare USDA, FHA, Conforming, and VA loans, displayed side by side, enabling you to make informed decisions about the most suitable program in based on your unique financial needs.

Exploring USDA and FHA Loan Options in South-Ogden, UT

At Lendersa®, our core aim is to facilitate your access to the most beneficial USDA or FHA loans seamlessly and without undue delay. Embark on your journey by choosing from one of three strategic avenues designed to connect you with suitable lenders and USDA loan programs tailored specifically to meet your needs, thereby simplifying the borrowing process.

Illustrative view of Lendersa USDA loan request and matching process

Understanding the USDA Loan in UT

The USDA home loan, sometimes called the USDA rural development loan or USDA mortgage, is a financing option backed by the U.S. Department of Agriculture. It is exclusively available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, the USDA mortgage is distinctive in that it requires no down payment at all. This feature makes the USDA loan an attractive choice for those eligible, offering an easier path to homeownership in rural communities.

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South-Ogden Lenders
(801) 409-0090 Lender's profile and map Check City 1177 Patterson St, Ogden, UT, 84403 Lends in Utah Check City was originally founded in 1986 by Richard Rawle along with his sons Tracy Rawle and Todd Rawle as a check cashing store. The first Check City store opened in Richmond, Virginia.and also Check City has grown into a nationwide company that provides many financial services along with check cashing.
(800) 355-3063 Lender's profile and map Transportation Alliance Bank, Inc. d/b/a TAB Bank 4185 Harrison Boulevard, Suite 200, Ogden, UT, 84403 Lends in Utah TAB Bank customizes solutions to serve the needs of small- and medium-sized commercial businesses across the US. With lasting commitment, we provide working capital solutions, equipment financing and deposit products during all stages of our customers’ business life cycle in any economic environment
(801) 392-4877 Lender's profile and map Education First Credit Union 1250 Country Hills Drive, Ogden, UT, 84403 Lends in Utah Education First Credit Union has been dedicated to serving the Ogden Community for over 76 years and we are not about to stop now. Our customer service is our most prided asset shows in the happiness of our members. You could be one of these member too! Come join our Credit Union FAMILY
(801) 476-4242 Lender's profile and map USA Cash Services 1752 Combe Rd, Suite 1, Ogden, UT, 84403 Lends in Utah We opened our first store in 1995. In 2001, we made our loans even more convenient by offering them online. We have expanded into multiple states and currently have many locations to better serve our customers. With USA Cash Services you can be confident you are working with a trustworthy company. We are a direct lender.
(801) 399-9728 Lender's profile and map Ascent Credit Union 4140 Harrison Blvd, Ogden, UT, 84403 Lends in Utah We are in the business of helping members achieve financial success. We take seriously our role as consultants & educators & work hard to provide the best services and rates. We offer a variety of online & mobile technologies that provide tremendous benefits for members. We operate four branches: Ogden, Roy, North Ogden & Weber State University.
(801) 589-7788 Lender's profile and map Intercap Lending 5926 S. Fashion Pointe Dr, Suite 110, South Ogden, UT, 84403 Lends in Utah Look no further! You have found Northern Utah’s one-stop resource for all your mortgage financing needs. My philosophy is simple: client-focused. You are top priority throughout the loan process. You are the reason why I am in business. My goal is to give you the right loan at the right rate to meet your financial and equity objectives for life.
(801) 627-8888 Lender's profile and map Village Mortgage, Inc. 3852 South Washington Boulevard, Ogden, UT, 84403 Lends in Utah Village Mortgage We are a local independent mortgage broker and have been for two decades. We focus on giving you more options. How does having more options help you? A more extensive selection of programs means we can find a mortgage that fits you, not the other way around. All the while getting you what matters most; the lowest rate.
(801) 388-5888 Lender's profile and map Talon Loans, LLC 920 Chamber St, Suite 11, Ogden, UT, 84403 Lends in Utah Talon Loan LLC is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(801) 627-8700 Lender's profile and map Wasatch Peaks Credit Union 4723 Harrison Blvd, Ogden, UT, 84403 Lends in Utah Wasatch Peaks Credit Union, our mission is simply stated; yet, it is the root of all we do: Exceeding expectations one member at a time and offers the following products and services: Auto/Boat/RV/ATV Loans, Mortgage Loans, Home Equity Loans/Lines of Credit, Visa® Credit Cards, Savings, CDs/IRAs, FREE Checking, Online Banking.