USDA and FHA Pro and Con in Spanish-Fork, Utah County, UT

For 2025, in Spanish-Fork, Utah county, UT, the USDA loan limit is set at $351,400, whereas the FHA limit for a single-family home is $439,300.

Leverage the Lendersa® USDA loan calculator to contrast today's USDA and FHA rates. This helps determine necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the most suitable program in for your financial setup.

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Loan Limits and Down Payment Requirements for Spanish-Fork, Utah, UT in 2025

Loan Type Loan Limit Down payment
USDA $351,400 0%
FHA $439,300 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Spanish-Fork, UT

The objective at Lendersa® is to efficiently connect you with the best USDA or FHA loan, eliminating hassle. Choose from three starting avenues to find the perfect lender matches and USDA loan programs for your needs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in UT

The USDA home loan, also referred to as the USDA rural development loan or USDA mortgage, is guaranteed by the government Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA mortgage requires no down payment.

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



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