Ready for a concierge mortgage experience? Choose Scott!
Let's Begin

USDA Rural Loan Solution - Benefits and Pitfalls

Live comfortably in rural Utah & California with no down payment. See if your area qualifies!

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.

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 May 13th, 2022 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 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 rural areas of Southern Utah. Ineligible areas include Santa Clara, St. George and Washington.

Ineligible Wasatch Front, Northern Utah Map

A map of highlighted ineligible rural areas of Northern Utah. Ineligible areas include Roy, Ogden, Layton, Bountiful, Salt Lake City, West Valley City, West Jordan, Provo, Spanish Fork and many others.
A map of highlighted ineligible rural areas of Northern Utah. Ineligible areas include Roy, Ogden, Layton, Bountiful, Salt Lake City, West Valley City, West Jordan, Provo, Spanish Fork and many others.

The USDA Mortgage Solution - Questions?

If you'd like to discuss a home purchase with USDA Rural, please submit a question or text (435) 590-1019 to begin.

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
Just 60 Seconds to Begin