USDA Loans in Clearfield, Utah

USDA eligibility is determined by the property's location, not the buyer's address. Many suburban Utah communities outside Salt Lake City's urban core qualify. The USDA eligibility map is updated periodically, and areas can be added or removed. We check the current map for every property you're considering and can provide a list of USDA-eligible neighborhoods in Clearfield.

USDA income limits are set at 115% of the area median income and vary by county and household size. The income of all adult household members is counted, not just the borrowers on the loan. This is different from conventional loans which only consider borrower income. We calculate your specific eligibility based on your household composition and location.

USDA loans typically take 45–60 days to close because the loan must pass through both lender underwriting and USDA review. We manage both processes in parallel and submit a complete package to minimize back-and-forth. Setting realistic timeline expectations with the seller upfront helps avoid issues during the transaction.

Yes, USDA loans can finance manufactured homes that are permanently affixed to a foundation, meet HUD standards, and are classified as real property. The home must be new or an existing manufactured home already financed by a USDA loan. Site-built homes, condos, and townhomes in eligible areas are also covered.

The FrontRunner station is a significant amenity, tenants working in downtown SLC or at the University of Utah can commute car-free in about 55 minutes. Properties within walking or biking distance of the station often command a premium from applicants who want a car-optional commute. As UTA expands service frequency, this advantage should compound. Marketing listings with transit accessibility scores and commute times is effective.

Clearfield has approved plans for mixed-use development around the FrontRunner station, including higher-density residential, retail, and office space. This is a long-term play, construction timelines depend on market conditions and developer commitments. For investors, the transit-oriented development could lift surrounding property values but also introduce new rental supply. Positioning now in the station-adjacent area offers potential appreciation upside, though the timeline is uncertain.

Parts of Clearfield, particularly the western sections, fall within Hill AFB noise contours from military flight operations. F-35 training flights generate significant noise, especially during summer flying schedules. Properties in the higher noise zones may require disclosure and can experience slightly longer lease-up times. Conversely, they're often priced lower, which improves cash-on-cash returns. Many military tenants are accustomed to the sound and view it as a non-issue.