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2012-08-02 15:31:08
USDA Rural Housing Changes in Utah



If you live in  one of the cities listed below or might be considering moving to one of them you may want to take advantage of the USDA/Rural housing loans that will be phased out before the end of the year.  

Very soon Rural Housing in Utah will update the maps to eliminate six growing cities in Utah. The USDA Rural Housing program is very popular in Utah as it offers one of the only down payment options in this area.

Each city that is being cut off has taken full advantage of the program to grow. They each have grown too large for the programs guidelines.  USDA is geared for 'rural' areas which have a low population or a serious lack of mortgage credit for lower and moderate-income families.

Thousands of homeowners and homebuyers are trying to get funding before the maps changes. This is causing a backup with the local Salt Lake Office that issues the final commitment.

Rural loans must be completely underwritten prior to submission to Rural Housing.  

The underwritten loan package must be submitted to Rural Housing no later than September 15th in order to be guaranteed that a conditional commitment will be issued by the cutoff deadline of September 30th.   Please note that loans may be submitted after September 15th deadline, but there are no guarantees that a Conditional Commitment will be issued.   Conditional Commitments will be issued on a first come, first serve basis after September 15th.

Important Dates:

September 15th, 2012 – Underwritten loan must be submitted to Rural Housing.

September 30th, 2012 – Cut off for issuance of Conditional Commitments for Eagle Mountain, Saratoga Springs, Tooele City(certain areas of Tooele County will still eligible), and Cedar City.

October 1st, 2012 – Proposed boundary adjustment takes place.




Square Feet

2010 Population

2000 Population

Eagle Mountian












Saratoga Springs








Cedar City




Utah Eligibility Map

 Rural' and 'rural area' mean any open country, or any place, town, village, or city which is not part of or associated with an urban area and which (1) has a population not in excess of 2,500 inhabitants, or (2) has a population in excess of 2,500 but not in excess of 10,000 if it is rural in character, or (3) has a population in excess of 10,000 but not in excess of 20,000, and (A) is not contained within a standard metropolitan statistical area, and (B) has a serious lack of mortgage credit for lower and moderate incomefamilies, as determined by the Secretaries ofAgriculture and HUD. For purposes of this subchapter, any area classified as 'rural' or a 'rural area' prior to October 1, 1990, and determined not to be 'rural' or a 'rural area' as a result of data received from or after the 1990 or 2000 decennial census shall continue to be so classified until the receipt of data from the decennial census in the year 2010, if such area has a population in excess of 10,000 but not in excess of 25,000, is rural in character, and has a serious lack of mortgage credit for lower and moderate income families. (42 USC 1490).


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