What is a USDA Rural Loan?
Using a USDA rural mortgage, buyers can finance 100% of a home’s purchase price while providing access to better-than-average mortgage rates compared to other down payment solutions. USDA Rural Development loans are available for properties in designated rural areas. The USDA helps tens of thousands of people finance a home in rural areas each year.
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
Above is a map of highlighted ineligible rural areas of Southern Utah. An enlarged area map of these areas are made available below.
This is the St George Utah area blown up to show the ineligible areas including Santa Clara, St George and Washington.
Above is the newer ineligible area of Cedar City, Utah.
Ineligible Wasatch Front, Northern Utah Map
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.
