When exploring your home loan options, let the experts at Consumer Real Estate Finance Co. be your guide.  As one of the most experienced USDA Home Loan agencies, we can offer you the advice you have been looking. With help from our certified agents, you can finally realize your dream of home ownerships.

Backed by the USDA, Utah residents can experience the many benefits of a rural development loan, including:

  • 100% Financing up to the appraised value
  • NO private mortgage insurance for qualifying Utah homes
  • Flexible Utah credit qualifications
  • No Utah loan amount limitations

Utah Areas that Qualify for a USDA Loan

The great state of Utah is an expansive and beautiful area. From the Rocky Mountains to the Colorado Plateau, there certainly does not seem to be any shortage of natural beauty. Utah USDA loans are not just relegated to agriculture areas. In fact many communities that lie just outside major metropolitan areas qualify. A common guideline is areas that lie outside of the city limits and have less than 20,000 people.
Because of the varying guidelines, you should never assume that your Utah home does not qualify for a USDA Loan.  The experts here at Consumer Real Estate Finance Co. can help you determine your USDA Loan eligibility.  Fill out the Application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Utah’s USDA Loan Income Limits by County

While Consumer Real Estate Finance Co. is here assist you with all your questions and guide you through the application process, you should be aware that there are a few eligibility restrictions. These include a credit evaluation as well as a maximum income limit.

Your annual income cannot exceed the limit set for your county:

Utah USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2009

STATE:UTAH PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Logan UT-ID MSA VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ogden-Clearfield UT MSA VERY LOW INCOME 25050 28600 32200 35750 38650 41500 44350 47200
LOW INCOME 40050 45750 51500 57200 61800 66350 70950 75500
MOD.INC-GUAR.LOAN 82250 82250 82250 82250 108550 108550 108550 108550
Provo-Orem UT MSA VERY LOW INCOME 23500 26850 30200 33550 36250 38950 41650 44300
LOW INCOME 37600 42950 48350 53700 58000 62300 66600 70900
MOD.INC-GUAR.LOAN 77200 77200 77200 77200 101900 101900 101900 101900
Salt Lake City UT MSA VERY LOW INCOME 25000 28550 32100 35650 38550 41400 44250 47100
LOW INCOME 39950 45650 51350 57050 61600 66200 70750 75300
MOD.INC-GUAR.LOAN 82000 82000 82000 82000 108250 108250 108250 108250
Summit County UT HUD Metro FMR Area VERY LOW INCOME 35150 40150 45150 50150 54200 58200 62200 66200
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Tooele County UT HUD Metro FMR Area VERY LOW INCOME 24850 28400 31950 35500 38350 41200 44050 46900
LOW INCOME 39750 45450 51100 56800 61350 65900 70450 75000
MOD.INC-GUAR.LOAN 81650 81650 81650 81650 107800 107800 107800 107800
St. George UT MSA VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Beaver County UT VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Box Elder County UT VERY LOW INCOME 22550 25750 28950 32150 34750 37300 39900 42450
LOW INCOME 36000 41150 46300 51450 55550 59700 63800 67900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Carbon County UT VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Daggett County UT VERY LOW INCOME 21500 24550 27600 30650 33150 35600 38050 40500
LOW INCOME 34350 39250 44150 49050 52950 56900 60800 64750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Duchesne County UT VERY LOW INCOME 22500 25700 28900 32100 34700 37250 39850 42400
LOW INCOME 35950 41100 46200 51350 55450 59550 63650 67800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Emery County UT VERY LOW INCOME 21950 25050 28200 31300 33850 36350 38850 41350
LOW INCOME 35050 40100 45100 50100 54100 58100 62100 66150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Garfield County UT VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Grand County UT VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Iron County UT VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kane County UT VERY LOW INCOME 21200 24200 27250 30250 32700 35100 37550 39950
LOW INCOME 33900 38700 43550 48400 52250 56150 60000 63900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Millard County UT VERY LOW INCOME 20850 23800 26800 29750 32150 34550 36900 39300
LOW INCOME 33300 38100 42850 47600 51400 55200 59000 62850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Piute County UT VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Rich County UT VERY LOW INCOME 21150 24200 27200 30200 32650 35050 37450 39900
LOW INCOME 33800 38650 43450 48300 52150 56050 59900 63750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
San Juan County UT VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sanpete County UT VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sevier County UT VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Uintah County UT VERY LOW INCOME 23550 26900 30250 33600 36300 39000 41700 44400
LOW INCOME 37650 43000 48400 53750 58050 62350 66650 70950
MOD.INC-GUAR.LOAN 77250 77250 77250 77250 101950 101950 101950 101950
Wasatch County UT VERY LOW INCOME 25800 29500 33200 36850 39800 42750 45700 48650
LOW INCOME 41250 47150 53050 58950 63650 68400 73100 77800
MOD.INC-GUAR.LOAN 84750 84750 84750 84750 111850 111850 111850 111850
Wayne County UT VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Looking for more information?  Learn more about Rural Development Loans in Utah by contacting Consumer Real Estate Finance Co. today!