USDA Loan. $0 down for rural and small-town Utah.
100% financing in eligible Utah areas. Great for buyers outside the Wasatch Front.
USDA loans are a quiet gem. If you're buying outside the major metros in Utah (and a lot of areas qualify that you wouldn't expect), you can finance 100% of the home with no down payment and competitive rates. I'll check the property address and income limits before we go further.
Is the USDA loan right for you?
- Buyers in eligible rural or small-town Utah areas
- Households under the area income limit
- First-time buyers without a down payment saved
- Buyers in Tooele, Cache, Wasatch, and similar counties
From quote to keys. No mystery.
I confirm the property is in a USDA-eligible Utah area.
We confirm household income fits the program cap.
Soft credit pull and a real pre-approval letter.
100% financing, you bring only closing costs.
USDA loan questions.
Not the right fit? Try one of these.
3% down options, no PMI paths, and the best rates for solid credit.
Learn more3.5% down with credit scores as low as 580. Flexible debt-to-income limits.
Learn more$0 down, no PMI, and the lowest rates available. Thank you for your service.
Learn moreLoans from $806,501 and up. Park City, Holladay, and high-end Utah real estate.
Learn moreReady when you are.
Pre-approval takes about 15 minutes. No fees, no obligation, no spam. Just a real loan officer running the numbers with you.