Avon Home LoansRural Homes, Land & Room to Grow
Small-town living in Avon can come with a big perk: some homes may qualify for USDA's $0-down loans. We'll check eligibility and line up the right program before you shop.
- USDA $0-down options
- Rural property know-how
- Land and construction loans
Can I get a USDA loan in Avon, Utah?
Possibly. USDA loans offer $0 down for homes in eligible rural areas, and many smaller Cache County communities qualify. Eligibility is set by address on USDA's map, and household income must be within the area limit, so we check both before you shop. If a home isn't eligible, FHA (up to $541,287) and conventional loans remain options.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
Small-town living with room to breathe
Avon is a small, unincorporated community at the southern end of Cache Valley, south of Paradise, with ranch land and mountain scenery.
Rural homes are financed every day, but they reward preparation. Fewer comparable sales, wells, septic systems and outbuildings all affect appraisals, so we plan for them and match you with lenders who understand rural property.
Avon at a glance
| Detail | Avon |
|---|---|
| County | Cache County |
| Area | South Cache Valley |
| ZIP code | 84328 |
| Public schools | Cache County School District |
| Your loan officer | Kenny Farshchian, NMLS #1639863 · call or text (385) 758-5247 |
ZIP codes and school boundaries don't always follow city lines; confirm a specific address with your agent, the county or the school district.
Loans Avon buyers use most
Rural homes, larger lots and new builds make these the most common fits.
USDA Loans
$0 down for eligible properties and households in rural areas.
Learn moreFHA Loans
3.5% down with flexible credit, up to $541,287 in Cache County.
Learn moreConventional Loans
Up to $832,750, including homes on larger lots.
Learn moreConstruction & Lot Loans
Build on your land, or buy land now and build later.
Learn moreVA Loans
$0 down for eligible veterans and service members.
Learn moreRenovation Loans
Update an older farmhouse or rural home in the same loan.
Learn moreCache County loan limits for 2026
These limits apply to single-family homes. Loans above the conforming limit are jumbo loans.
| Loan type | 2026 limit (1 unit) | What it means |
|---|---|---|
| Conventional (conforming) | $832,750 | Most homes in Cache County fit under this limit. |
| FHA | $541,287 | 3.5% down with a 580+ credit score. |
| VA | No limit with full entitlement | $0 down for eligible veterans and service members. |
| Jumbo | Above $832,750 | Higher-priced homes; stronger credit and reserves. |
Sources: FHFA 2026 conforming limits and HUD 2026 FHA limits. Limits change each January.
What to know before you buy in Avon
- Land and ranch properties may need specialized lenders; tell us what you're buying.
- Lot loans usually require larger down payments than home loans.
- Lenders need the property to be primarily residential. Working farms and income-producing land usually need agricultural financing instead.
- Small towns have fewer comparable sales, which can slow appraisals. Build a little extra time into your contract.
Three steps to your keys
- 01
Get a real pre-approval
Share your income and assets once. We compare loan options from multiple lenders and tell you exactly what you can afford, usually within 24 to 48 hours.
- 02
Shop with confidence
Make offers in Avon with a pre-approval letter local agents trust, and a loan officer who answers the phone when your agent calls.
- 03
Close on time
We manage appraisal, underwriting and title, and keep you and your agent updated at every step until you get the keys.
We also serve cities near Avon
Hyrum
Hyrum is a growing city in southern Cache Valley, home to Hyrum State Park's reservoir and a mix of established neighborhoods and newer subdivisions a short drive from Logan.
Learn moreParadise
Paradise is a small town in southern Cache Valley, south of Hyrum, with farmland, mountain views and a peaceful, rural setting.
Learn moreLogan
Logan is Cache County's largest city and county seat, home to Utah State University, a historic downtown and quick access to Logan Canyon.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreAvon Home Loan Questions
Yes. A lot loan can finance the land now, and a construction loan can fund the build later, or a one-time-close loan can cover both when you're ready.
Avon is in Cache County, where the 2026 single-family limits are $832,750 for conventional loans and $541,287 for FHA loans. VA loans have no limit for borrowers with full entitlement, and loans above $832,750 are jumbo loans.
Often, yes. Residential loans can cover homes on larger lots, but lenders look closely at acreage, outbuildings and whether the property is primarily residential. Share the details early and we'll match the right lender.
Yes. We're a Layton-based mortgage broker licensed throughout Utah, and we work with Cache Valley clients by phone, video and secure online application. You'll have one local loan officer from pre-approval to closing.
Ready to buy in Avon?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.