Loan program
USDA loans
No-down-payment financing for eligible rural and suburban properties.
Who it may be for
Moderate-income buyers purchasing in eligible rural areas, including parts of Utah and surrounding states.
Key benefits
- ✓No down payment required
- ✓Lower mortgage insurance than FHA
- ✓Competitive 30-year fixed rates
- ✓Flexible credit guidelines
Important considerations
- ·Income limits apply
- ·Property must be in an eligible USDA area
- ·Must be a primary residence
FAQ
Common questions.
Is a USDA loan only for farms?+
No. USDA loans are for residential homes in eligible rural and suburban areas, not working farms.
What income qualifies for a USDA loan?+
USDA sets household income limits by county and family size. We’ll check eligibility before you shop.