Logan Home LoansFor Homebuyers & Investors Near USU
Logan pairs university-town energy with Cache Valley's small-town feel. Whether you're buying your first home, moving up or adding a rental near Utah State University, we'll match you with the right loan.
- Homeowner & investor loans
- FHA, conventional & DSCR
- Fast pre-approval
Can I buy a rental property near Utah State University in Logan?
Yes. Investors often use conventional investment loans or DSCR loans, which qualify on the property's rent instead of your income. If you'll live in one unit of a two- to four-unit property, FHA allows 3.5% down. Cache County's 2026 FHA limit is $541,287 for a single-family home.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
A college town with something for every buyer
Logan is Cache County's largest city and county seat, home to Utah State University, a historic downtown and quick access to Logan Canyon. Its mix of single-family homes, duplexes and student rentals attracts both homeowners and investors.
Homeowners and investors shop the same streets here. We help both: first-time buyers with FHA and 3% down conventional loans, and investors with conventional and DSCR financing that qualifies on rent.
Logan at a glance
| Detail | Logan |
|---|---|
| County | Cache County |
| Area | Logan Area |
| Common ZIP codes | 84321, 84341 |
| Public schools | Logan City 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 Logan buyers use most
Homeowners and investors use a different mix of programs here.
FHA Loans
3.5% down, up to $541,287 in Cache County; live in one unit of a 2-4 unit home.
Learn moreConventional Loans
From 3% down for qualifying first-time buyers, up to $832,750.
Learn moreDSCR Investor Loans
Qualify a rental on its rent instead of your tax returns.
Learn moreDown Payment Assistance
Programs that can cover part of your down payment or closing costs.
Learn moreVA Loans
$0 down for eligible veterans and service members.
Learn moreRenovation Loans
Buy an older home and finance the updates in one 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 Logan
- Cache County's 2026 FHA limit is $541,287, lower than in Davis and Weber counties; conventional loans go up to $832,750.
- Check city occupancy and rental rules before buying near campus.
- DSCR lenders verify rent with a lease or an appraiser's market rent estimate, so gather leases early.
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 Logan 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 Logan
Millville
Millville is a small city southeast of Logan, between Providence and Nibley, with a quiet residential feel and mountain views along the Bear River Range.
Learn moreNibley
Nibley is one of Cache Valley's fastest-growing cities, just south of Logan, with newer subdivisions, parks and family-friendly neighborhoods.
Learn moreNorth Logan
North Logan sits just north of Logan along US-91, with family neighborhoods, newer subdivisions and easy access to Utah State University and Cache Valley's trails.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreLogan Home Loan Questions
Yes. We work with Cache Valley clients by phone, video and secure online application, and we're licensed throughout Utah. You'll have the same local loan officer from start to finish.
Logan 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.
Yes, typically as a second home or investment property, which have different down payment and rate rules than a primary residence. We'll show you which option fits and what it costs.
Ready to buy in Logan?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.