USDA Vs. FHA Pro and Con comparison in Chinle, Apache County, AZ

In the year 2025, the USDA loan cap in Chinle, situated in the county of Apache, AZ, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to juxtapose today's most favorable USDA and FHA rates, assessing the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, aiding in determining the optimal program in tailored to your financial circumstances.

Review loan offers from 100 different lenders

Loan Limits and Downpayment Needs for 2025 in Chinle, Apache, AZ

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Discover USDA and FHA Loan Solutions in Chinle, AZ

Lendersa® is dedicated to swiftly connecting you with the ideal USDA or FHA loan, minimizing hassle. Choose one of three starting routes that link you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding What a USDA Loan Entails in AZ

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is a government-backed loan by the Department of Agriculture. It's specifically available in rural areas and neighborhoods. In contrast to FHA loans, which necessitate a minimum 3.5% down payment, a USDA mortgage requires no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Winn Mortgage
  • 13300 Crossroads Parkway N, Suite 150, City Of Industry, CA, 91746
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Right Start Mortgage
  • 13191 Crossroads Parkway North, Suite 175, La Puente, CA, 91746
  • Right Start Mortgage, Inc., founded in 1989, is a full service mortgage banking firm specializing in Conventional, VA, and FHA residential mortgages. As a Fannie Mae direct lender and approved Ginnie Mae Seller/Servicer we offer the most competitive interest rates on the market today for all of your mortgage needs
  • Pacific Lending LLC
  • 4141 Inland Empire Blvd. Suite 160, Ontario, CA, 91746
  • Pacific lending mortgage lender with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates.
  • Rails West Federal Credit Union
  • 4708 N Yellowstone Avenue, Chubbuck, ID, 83202
  • The Rails West Federal Credit Union has been serving members since 1935. We are a non-profit financial institution, owned and controlled by our members. Our Mission is to serve the personal financial needs of our members efficiently and vigorously. Our Vision is to become the primary financial institution for the entire credit union
  • The Mortgage Specialists
  • 770 East Chubbuck Road, Pocatello, ID, 83202
  • "The Mortgage Specialists is an industry-leading mortgage brokerage firm in Idaho with one goal in mind: to get you the best mortgage possible. From beginning to end, our team of highly qualified mortgage brokers will simplify the process for you. We have established connections with several noteworthy lenders in the country,
  • Idaho Central Credit Union
  • 4400 Central Way, Chubbuck, ID, 83202
  • At first glance, one might think that Idaho Central Credit Union is like any other financial institution. However, many Idahoans like you know better. Idaho Central is the premier credit union in Idaho and offers full-service locations throughout the Treasure Valley, Magic Valley, Eastern Idaho.
  • Orange County’s Credit Union - St. Andrew
  • PO Box 11777, Santa Ana, CA, 92711
  • Orange County's Credit Union! Originally chartered in 1938, today the Credit Union serves more than 116, 000 Members in Orange, Los Angeles, Riverside, and San Bernardino Counties. The Credit Union reports an asset size exceeding $2 billion and employs more than 300 happy Associates.
  • American Sona Mortgage
  • 1500 North Harbor Boulevard, La Habra, CA, 90631
  • American Sona Mortgage specializes in no-Cost Loans for all Californians, including Fixed Rate, Adjustable or Home Equity 1st & 2nd Mortgages.We seek to identify & understand your Mortgage goals in order to professionally tailor a plan that best fits your lending need.Whether you need Cash Out, a Low Monthly Payment we are here to help you.
  • MacLons Capital Mortgage
  • 1001 West Whittier Boulevard, La Habra, CA, 90631
  • MacLons Capital Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools