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Home Financing With Houzd Mortgage

USDA Home Loans
in Utah

Buying in an eligible Utah community? Our Houzd Mortgage team will help you explore zero down payment financing and compare your options.

Start Your Application Explore Home Financing
The Basics

What is a USDA home loan?

A USDA Guaranteed home loan is a mortgage made by a private lender and backed by the U.S. Department of Agriculture.

Qualified households may buy an eligible primary residence with no required down payment. Income and location requirements apply.

Start with the address and your household.

We'll help you review both before building your homebuying plan.

Why USDA?

A different path to your next home.

Let's compare the possibilities around your budget.

01

No Required Down Payment

Eligible buyers may finance the purchase without a down payment, subject to program and appraisal requirements.

02

Fixed-Rate Financing

Guaranteed loans have a 30-year fixed rate. Taxes, insurance, and other charges can change.

03

Plan Your Upfront Costs

Review your cash to close alongside moving expenses and savings goals.

04

Check Eligible Addresses

Use USDA's official map to explore property locations.

05

Review Closing Cost Options

Discuss permitted credits, gifts, and financed costs.

06

Compare Your Financing

We'll review USDA alongside other available programs.

Qualifying for USDA

What determines USDA eligibility?

The home, household income, and repayment qualifications each need review.

We'll help organize the details and explain your next steps.

0%

Down Payment Potential

Closing costs and other cash requirements may still apply.

Location

Eligible Property

The address must be in a USDA-eligible area.

Income

Household Limits

Limits depend on the property's area and household size.

Home

Primary Residence

You must occupy the home, and property standards apply.

Understanding the Costs

What fees come with a USDA loan?

Guaranteed loans have an upfront guarantee fee and an annual fee collected through monthly payments.

For fiscal year 2027, the upfront fee is 1.00% and the annual fee is 0.35%. These apply to purchase and refinance transactions.

Compare the complete payment.

Include program fees, principal, interest, taxes, and insurance. Financing the upfront guarantee fee increases your loan balance and interest costs.

Local Mortgage Guidance

Where Can You Use a USDA Loan in Utah?

Eligibility is determined by the specific address. Don't assume an entire Utah city or county qualifies. Check the property on USDA's current map.

Based in Draper, our Houzd Mortgage team helps buyers across Utah. Send us a listing and your target monthly budget, and we'll help compare financing.

If your address or household doesn't qualify for USDA, we can review other available options.

Check USDA property and income eligibility Meet our Houzd Mortgage loan officers
Your Homebuying Plan

Bring us your listing and questions.

Let's work through:

The property's address.
Household income and deductions.
Credit and existing debts.
Your monthly housing budget.
Closing and moving expenses.
Other financing possibilities.
The Process

Clear answers before you shop.

Our Houzd Mortgage team will help you work through the details.

01

Apply

Share your finances and homebuying goals.

02

Check Eligibility

Review your household and intended property.

03

Review Your Budget

Compare payments and estimated cash to close.

04

Finalize Your Loan

Complete appraisal, underwriting, USDA review, and closing.

Questions

Utah USDA Loan FAQ

Can I get a USDA home loan in Utah?
Yes, if the property and household qualify and you meet lender and USDA requirements. An eligible address alone does not guarantee approval.
How do I check whether a Utah address qualifies?
Visit USDA's eligibility website , select Single Family Housing Guaranteed, and search under Property Eligibility. Map results are preliminary; final program review still applies.
What is the USDA income limit in Utah?
There isn't one statewide limit. Check the current limit for the property's area and household size. Permitted deductions affect adjusted annual household income.
Whose income counts toward the limit?
USDA generally considers eligible income from all adult household members, including those not on the loan. Exclusions and deductions may apply. Repayment income is calculated separately.
Does zero down mean no cash at closing?
No. Closing costs, prepaid taxes, insurance, and other expenses may apply. We'll estimate your total cash requirement.
Can closing costs be financed?
Eligible costs may be financed when supported by the appraised value and program limits. It isn't automatic. Permitted seller or lender credits may also help cover eligible costs.
Is there a minimum credit score?
USDA does not set a universal minimum for the Guaranteed program, but lenders may require one. Credit history and repayment ability still matter.
Can I use USDA financing for a rental?
No. This program finances an eligible primary residence, not a vacation home or investment property.
Is USDA Guaranteed the same as USDA Direct?
No. Guaranteed loans are made through approved private lenders. USDA Direct is a separate program with different eligibility and financing terms.
How do I start a USDA loan application?
Start your mortgage application or contact our team. We'll review your goals, explain needed documents, and check eligibility.

Your Utah Home.
Your Next Step.

Let's review your listing and see whether USDA financing fits your plans.

Start Your Application Explore Home Financing

Have questions first? Talk to a Houzd Mortgage loan officer.

Houzd Mortgage | Draper, Utah | NMLS #888979 | Equal Housing Opportunity.

This page describes the USDA Single Family Housing Guaranteed Loan Program. All loans are subject to borrower, household income, property, lender, and USDA approval requirements. Zero down payment does not eliminate closing costs or program fees.

Fees shown apply to fiscal year 2027, October 1, 2026, through September 30, 2027. Future fees, income limits, eligible areas, and program terms may change.

Houzd Mortgage is not affiliated with or endorsed by the U.S. Department of Agriculture or any government agency.