Just 60 seconds or less to get started!
Let's Begin

USDA Rural Lender

Live comfortably in rural Utah, Arizona, Nevada or California with no down payment.

The United States Department of Agriculture (USDA) sets lending guidelines for their home loan program. This mortgage type reduces costs for home buyers in rural and suburban areas. It is one of the most cost-effective home buying programs in the marketplace today.

Did you know? USDA government-backed loans are compatible with our 2-1 seller-paid rate buydown solution to help make the first two years of your mortgage more affordable? Learn more at the Seller-Paid Rate Buydown page and combat this period of higher interest rates using seller-paid closing costs.

Why Choose a USDA Rural Loan?

  • 100% financing + finance the USDA fee.
  • Zero down payment.
  • A low 0.35% annual fee (cheaper than FHA MI).
  • Low credit score requirements.
  • Gift funds can be used for closing costs.
  • Low interest rates.
  • Low closing costs.
  • Flexible qualification guidelines.
  • 30-Year, fixed-rate mortgage required.
  • Lower overall cash-to-close.

Ineligible USDA Rural Loan Areas in Utah

USDA Rural Development requires a “rural” designation to qualify. Larger population cities will not qualify. Below, you will find updated maps as of August 4th, 2023 that shows ineligible areas in yellow where a USDA Rural loan is unavailable.

As always, if there’s ever a question or if the address it close to the yellow border, feel free to fill out the form at the bottom of this page and I’ll verify the address for you!

Ineligible Southern Utah USDA Maps

A map of highlighted ineligible rural areas of Southern Utah. Ineligible areas include Santa Clara, St. George and Washington.

Above is a map of highlighted ineligible rural areas of Southern Utah. An enlarged area map of these areas are made available below.

usda stg via Scott Buehler Scott Buehler - Lead Mortgage Advisor

This is the St George Utah area blown up to show the ineligible areas including Santa Clara, St George and Washington.

usda cedar via Scott Buehler Scott Buehler - Lead Mortgage Advisor

Above is the newer ineligible area of Cedar City, Utah.

Ineligible Wasatch Front, Northern Utah Map

A map of highlighted ineligible rural areas of Southern Utah. Ineligible areas include Santa Clara, St. George and Washington.

A map of highlighted ineligible areas of Northern Utah. Ineligible cities include Spanish Fork, Provo, Orem, Salt Lake City, Bountiful, Ogden, Layton, Logan, Tooele, West Valley City and many others.

The USDA Mortgage Solution – Questions?

Scott Buehler is a USDA rural mortgage lender in Utah, Arizona, Nevada and California. If you’d like to know more about the rural areas in one of these other states, please submit a question or call / text (435) 590-1019.

Disclaimer: Loan terms and limits subject to change. This page is meant for educational purposes and is not a commitment to lend. To qualify for a home loan, please speak to Scott Buehler or apply online.

Is a USDA Rural Loan Right For You? Tap Below!

USDA Rural Questionnaire
4 Easy Questions to Begin