USDA Loans in Utah

A USDA loan is a zero-down mortgage guaranteed by the U.S. Department of Agriculture for homes in designated rural and suburban-fringe areas. Many Utah communities outside the immediate Wasatch Front core qualify, and income limits are higher than most buyers assume. It’s one of only two true $0-down programs available.

Why borrowers choose this program

0% down payment required
Cheaper monthly guarantee fee than FHA mortgage insurance
Competitive fixed rates
Available to first-time and repeat buyers alike

Which Utah areas are USDA-eligible?

Eligibility is address-specific, but many communities in Tooele, Box Elder, Cache, and outlying Davis/Weber county areas qualify, along with much of rural Utah. The USDA eligibility map changes periodically — send us a listing address and we’ll confirm eligibility the same day.

USDA income limits and requirements

USDA caps household income at 115% of the area median — which in most Utah counties is a comfortably middle-class threshold, often over $110,000 for a family. Credit requirements are moderate (640+ makes approval smooth), and the home must be your primary residence.

USDA Loans FAQ

Is my town USDA-eligible?

Eligibility is determined address by address on the USDA map. Much of Utah outside the Salt Lake–Provo–Ogden core qualifies, including parts of Tooele, Box Elder, and Cache counties. Send us an address and we’ll check it for free.

USDA vs FHA — which is better?

If the property and your income qualify, USDA usually wins: zero down versus 3.5%, and a lower monthly fee than FHA mortgage insurance. FHA is the fallback when the address or income limits rule USDA out.

Do USDA loans take longer to close?

They add one step — USDA’s final sign-off after lender approval — which typically adds a few days. We build that into the contract timeline up front so there are no surprises.