USDA Vs. FHA your options comparison in Douglas, Cochise County, AZ

For 2025, the USDA loan limit in Douglas, within Cochise county of AZ, is $336,500. In contrast, the FHA loan cap for a single-family residence is $472,030.

Access the Lendersa® USDA loan calculator to evaluate present top rates of USDA versus FHA. This tool helps you understand the required income, credit standards, reserves, and necessary documentation for eligibility. Our enhanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans to assist in choosing the best plan for your unique financial scenario in .

Explore loan offers from 100 lenders

2025 loan caps and down payment prerequisites in Douglas, Cochise in AZ

Loan Category Maximum Loan Limit Required Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan solutions in Douglas, AZ

At Lendersa®, our mission is to efficiently secure you the best available USDA or FHA loan with minimal hassle. Choose one of three starting pathways to match you with lenders and USDA loan programs tailored to your needs.

Visual of Lendersa USDA loan request and matching results

Understanding USDA Loans in AZ

A USDA home loan, insured by the Department of Agriculture, often referred to as a USDA mortgage or rural development loan, is specifically available in rural areas. Unlike FHA loans, which demand at least a 3.5% down payment, USDA loans require no down payment at all.

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



  • 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.
  • SE Marketing
  • 8409 Friends Ave, Whittier, CA, 90602
  • Full Spectrum lending, Fannie Freddie, VA, FHA, Non-QM, Reverse, Fix and Flip, Private Equity. Quick Approval and Funding: Time is of the essence in the fix-and-flip business. Our streamlined application process and quick turnaround times mean you can secure funding and get started on your project without delay.
  • Lending Enterprise
  • 7007 Washington Ave, Suite 311, Whittier, CA, 90602
  • Because we truly understand that homeownership is the foundation of our communities and everyone deserves a home for their family, Lending Enterprise is deeply devoted to care, help, and provide the best home loan experience for our customers and business partners, with ethics, win-win mindset, and most importantly, with integrity.
  • Legacy Capital Funding
  • 7007 Washington Ave, Suite 301, Whittier, CA, 90602
  • Legacy Capital Funding is proud to be a mortgage broker serving residential clients in the Los Angeles County area. Based in Whittier, we are a small business that provides the level of customer service only an experienced team of professionals can. From our community-focused, educational approach to home loans to our commitment to our clients.
  • Nationwide Home Loans
  • 8152 Painter Avenue, Suite 200, Whittier, CA, 90602
  • Our mortgage team members will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the ideal loan.
  • Credit Union of Southern California
  • PO Box 200, Whittier, CA, 90608
  • We’re a service staffed by friendly, helpful people who are here to help you achieve your financial goals and financially thrive . The financial industry is filled with people who can count. Our goal at CU SoCal is to be people you can count on. The people who work for us know they work for you.
  • POPA Federal Credit Union
  • 13304 Alondra Blvd, Cerritos, CA, 90703
  • POPA Federal Credit Union was formed in 1978 by PPOA (Professional Peace Officers Association) to provide not-for-profit financial products and services exclusively to fellow peace officers with the Los Angeles County Sheriff’s Department. In July 2020, POPA FCU expanded our membership eligibility to all employees of the Los Angeles County She
  • Solve Lending & Realty
  • 18000 Studebaker Rd, Suite 700, Cerritos, CA, 90703
  • Solve Lending & Realty: Founded by two brothers, who are also licensed agents and loan originators with over 30 years of combined experience in the industry Solve Realty is the smartest way to buy or sell homes in your area. Solve is a tech-powered real estate brokerage that combines traditional methods of home buying
  • MAK Home Loans
  • 17777 Center Court Dr N, Suite 600, Cerritos, CA, 90703
  • At MAK Home Loans, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.