USDA and FHA Pro and Con in South-Salt-Lake, Salt Lake County, UT

In 2025, USDA loan limit in South-Salt-Lake, county of Salt Lake, UT is $362,400 while FHA limit is $453,100 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in South-Salt-Lake, 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%

USDA and FHA loan options in South-Salt-Lake, UT

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Utah?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • GoPrime Mortgage Inc.
  • 2015 Charlotte St, Suite 3, Bozeman, MT, 59718
  • "We are a local lender backed by the experience and expertise of GoPrime Mortgage, Inc. based in North Carolina. With decades of combined experience our processors, underwriters and Loan Officers can offer unsurpassed service in one of the biggest transactions of your life. We offer Conventional, FHA, VA, USDA Rural Development and Jumbo loans"
  • ADV Mortgage
  • 12 Rosalie Rd, Bailey, CO, 80421
  • ADV Mortgage was founded by Richie Frangiosa, a 20 year veteran of the mortgage industry.With an underwriting and processing background, we focus on the best possible service to our clients. We are not salespeople, and will never try to be. Our goal is to make the mortgage process as easy and transparent as possible.
  • Preferred Mortgage
  • 2066 Stadium Drive, Suite 202, Bozeman, MT, 59715
  • Here at A Preferred Mortgage Team we are all dedicated Montanans. We love the beauty and exceptional outdoor opportunities that wait just minutes away. This is why we live here and this is why A Preferred Mortgage Team was founded in 2000. Whether you are buying or refinancing your home, you should be able to afford a home in this beautiful st
  • First Security Bank
  • 208 East Main St, Bozeman, MT, 59715
  • First Security Bank is the community bank choice for southwest and central Montanans. Since the first branch opened over 95 years ago on Bozeman's Main Street, First Security has grown to be the market leader and offers the most branch and ATM locations in the area. The bank donates and supports employee volunteerism to over 250
  • Mountain River Credit Union
  • 205 E 3rd. Street, Salida, CO, 81201
  • Mountain River Credit Union currently serves all who live or work in Chaffee, Alamosa, Lake, Rio Grande, or Western Fremont County. We help our family take care of their own at home. We offer the services and assistance you need to manage your finances to build a strong financial future for your family.
  • High Country Bank
  • 7360 West Highway 50, Salida, CO, 81201
  • High Country Bank's mission is to Strengthen our communities, Help our neighbors, Promote career growth and development of our employees, and Reward our stakeholders. On October 27, 1886, an organization meeting of citizens of Chaffee County Colorado was held for the purpose of organizing a Building and Loan Association.
  • Newrepublicfunding.com
  • 1942 Broadway St, Boulder, CO, 80302
  • Our lending portfolio is diverse, and we specialize in various lending programs, including multifamily value-add construction lending, ground-up construction for residential, quick and competitive loan programs, condominium development loans, commercial construction with land acquisition, residential construction and rehab, appraisal order options
  • Flatirons Bank
  • 1095 Canyon Boulevard, Suite 100, Boulder, CO, 80302
  • Flatirons Bank was created to provide a true community bank to Boulder County, focused on doing what is right for businesses in our community. Flatirons Bank is a full-service, locally-owned independent bank dedicated to serving the needs of Boulder County. We offer a wide range of personalized banking services to meet the needs of our persona
  • Shambhala Credit Union
  • 1345 Spruce Street, Lower Level, Boulder, CO, 80302
  • Shambhala Credit Union is a state-chartered financial institution whose depositors enjoy a federally-backed guarantee by the NCUA up to $250,000 per member account. We use our depositors’ money to make loans to members for everything from mortgages, car loans, mobile home loans, business purpose loans, and personal loans.
  • Reverse Mortgage Leads
  • 1434 Spruce St, Boulder, CO, 80302
  • Our mission is to supply our Clients with high-intent, real-time leads that are interested, qualified prospects, that have the intent to buy your product/service. They all want a quote and it’s easy for you to close the deal! We are a family owned and operated business with with offices in Colorado, Georgia and Florida.
  • React Mortgage
  • 1495 Canyon Blvd, 1st Floor, Boulder, CO, 80302
  • Our mission is to help people achieve the American dream of homeownership. We work with you not only to find you the best solutions for your situation, but we educate you every step of the way. Our cutting-edge technology allows us to offer 100% remote services with the same human touch you’ve come to expect from an in-person experience.
  • Colorado Lending Group
  • 1710 13th Street, Boulder, CO, 80302
  • We aim to provide the best services while maintaing a green company philosophy and giving back to the communities we serve. We are a family company and understand the importance of providing a better place for future generations. Our experts have been helping people save money and get the right mortgage for over 20 years!