Loading...
USDA rural development loans in Roy, Utah: zero down in eligible areas. Check the eligibility map, income limits and guarantee fee.
Compare loan options against Roy's $370K median price point before you shop, refinance, or lock a rate.
USDA rural development loans offer zero-down financing in qualifying areas of Roy and surrounding communities. With the median home price at $370,000, a USDA loan eliminates the need for a $12,950–$18,500 down payment entirely. Income eligibility in the Roy area extends to households earning up to 115% of the area median income, approximately $74,750, which covers a large share of Roy working families. Many buyers assume USDA loans are only for farmland, but eligible areas include suburban communities throughout Utah, check the USDA eligibility map to see if Roy qualifies.
Roy's daily rhythm is shaped by Hill Air Force Base, shift changes fill 1900 West with commuters heading to defense contractors like Northrop Grumman and Boeing. Roy Aquatic Center and the city's parks are heavily used rec amenities. Weekend errands center on the Riverdale Road retail corridor just south. Roy Days in June is the signature community event with carnival rides, a parade, and live music. Dining options include local burger joints and Asian restaurants scattered along 5600 South. The FrontRunner station gives car-free access to Salt Lake City in about 50 minutes.
Median Home Price
$370K
Median Rent
$1,350/mo
Population
40,000
Annual Growth
1.4%
Avg Days on Market
23
Owner-Occupied
68%
Ondo city medians as of Aug 2026 — verify. Not an MLS pull, appraisal, BPO, or CMA. Population and annual growth are approximate and are not tied to a named public source here. Check the U.S. Census Bureau for official figures.
We verify two things: that the property location falls within a USDA-eligible area, and that your household income meets USDA guidelines (up to 115% of area median income). Many suburban Utah communities qualify: the boundaries may surprise you.
Once eligibility is confirmed, we process your loan application with USDA-approved lenders. Pre-approval includes income verification, credit review, and a determination of your maximum purchase price.
After your offer is accepted, the loan package goes through both lender underwriting and USDA review. We manage both processes in parallel to minimize delays. Typical closing timelines are 45–60 days.
School District: Weber School District
Notable schools: Roy High School, Roy Junior High, Midland Elementary
Flat, expansive city west of I-15 developed largely around Hill Air Force Base employment.
Outdoor Activities
Local Landmarks
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 Roy.
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.
12 months is standard; many households renew at 24 months given commute convenience.
View available times and book a free 30-minute consultation
Send details for notary, loan signing, property questions, or anything that needs a follow-up from our team.
Loan information is provided by Ondo Real Estate (NMLS ID on file). This is not a commitment to lend, a loan approval, or an offer of credit. Rates, terms, and payments shown are estimates for illustration only, are not a quote, and are subject to credit approval, underwriting, and market conditions. You are not required to use Ondo for financing to buy or sell with Ondo. Equal Housing Lender. Program rules, fees, and county loan limits change. Confirm the current published schedule and lender overlays. Nothing here is a quote, a lock, or a credit decision. Licensing and disclosures