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USDA rural development loans in Sunset, Utah: zero down in eligible areas. Check the eligibility map, income limits and guarantee fee.
Compare loan options against Sunset's $345K median price point before you shop, refinance, or lock a rate.
Nearby Coverage
USDA rural development loans offer zero-down financing in qualifying areas of Sunset and surrounding communities. With the median home price at $345,000, a USDA loan eliminates the need for a $12,075–$17,250 down payment entirely. Income eligibility in the Sunset area extends to households earning up to 115% of the area median income, approximately $63,250, which covers a large share of Sunset 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 Sunset qualifies.
Sunset is a small-town pocket within the Davis County suburban sprawl. Main Street has a handful of local businesses, a pizza shop, and a gas station, it's not a destination, but it's convenient. The FrontRunner station in Clearfield is a 5-minute drive for SLC commuters. City parks host pick-up basketball and evening walks. Shopping and dining happen in Clearfield or Layton, both 5–10 minutes away. Sunset Fun Days in summer is a neighborhood-scale celebration with bounce houses, food trucks, and a community talent show. The pace is small-town and affordable relative to Layton and Kaysville.
Median Home Price
$345K
Median Rent
$1,300/mo
Population
5,500
Annual Growth
1.0%
Avg Days on Market
18
Owner-Occupied
58%
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: Davis School District
Notable schools: Sunset Elementary, Sunset Junior High, Clearfield High School
Small city adjacent to Hill Air Force Base with affordable post-war housing stock.
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 Sunset.
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.
Treat Sunset like any small Davis County market: pull comps, budget for older housing stock, and use professional management. For public safety, check Sunset Police and Utah DPS data for the specific block and several recent years rather than a city-wide headline. Lighting, locks, and maintenance are operational items we can address; they are not a substitute for current public data.
Most Sunset homes are 50–70 years old and show their age, expect original windows, aging HVAC systems, and dated kitchens. The upside is that purchase prices already reflect deferred maintenance, so investors buying at current basis can renovate strategically. A $20K–$35K update budget for kitchen, bath, flooring, and paint can transform a dated Sunset home into a competitive rental that commands rents comparable to Clinton or Clearfield properties.
Demand is price-sensitive and tied to Hill AFB, nearby retail jobs, Davis School District zoning, and the Clearfield FrontRunner commute to SLC. Turnover can be higher than in pricier Davis County cities, so budget for turns and competitive renewal pricing.
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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