USDA VS FHA in Douglas, Cochise County, AZ

For 2026, 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

2026 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?



  • A-1 Mortgage, LLC
  • 7410 New La Grange Rd, Suite 108, Louisville, KY, 40222
  • Raised in Kentucky, I love being able to help others achieve their dreams to live in this great state. I have been in the mortgage business for over ten years, initially starting my career within our family owned mortgage company, A-1 Mortgage Company, Parker Services. After my family retired, I broadened my knowledge in the field with a position
  • Surepoint Equity
  • 8001 Lyndon Centre Way Suite 101, Louisville, KY, 40222
  • SurePoint Equity LLC is a Local, Private Lender specializing in Fix and Flip and Rehab and Refi renovation loans for Real Estate Investors. We are well capitalized, have very competitive rates and can close as fast as 5-7 business days. We typically lend up to 90% of the purchase price, plus 100% of renovation costs and don't require monthly paymen
  • The First National Bank of Gilbert
  • 2 North Broadway, Gilbert, MN, 55741
  • We offer a wide variety of checking accounts and savings plans to suit your special needs. As we are an independent bank serving the Iron Range area since 1908, our products and services are designed for customers within our local community. We're here to serve you, in a prompt, efficient, and friendly manner.
  • Jefferson Financial Services, Inc.
  • 5618 Bardstown Rd, Louisville, KY, 40291
  • Since 1998 it has been our the mission of Jefferson Financial Services to provide auto, vacation, hardship and personal loans for any reason. Our friendly, knowledgeable and professional team work to help people that can’t get a loan with a conventional loan institution. We understand that unexpected hardships happen in peoples lives.
  • Fond du Lac Credit Union
  • 91 N Pioneer Road, Fond Du Lac, WI, 54935
  • Fond du Lac Credit Union is committed to providing our members the best financial solutions possible. We strive to be the most responsive and value-providing financial institution for the communities we serve. Fond du Lac Credit Union is open for membership to anyone that lives or works in Fond du Lac or Dodge County.
  • Compassionate Care Credit Union
  • 430 E Division Street, Fond Du Lac, WI, 54935
  • The mission of Compassionate Care Credit Union is to make our members feel cared for, both financially and as a person. We will do this through attentive and compassionate service, and by offering products our members need at rates that are competitive in the industry and our service area.
  • Fox Valley Savings Bank
  • 51 East First Street, Fond Du Lac, WI, 54935
  • FVSBank began business in Fond du Lac, Wisconsin in 1934 and subsequently expanded to serve the Oshkosh and Waupun areas. Our goal was to provide a safe place for people to deposit their money, and a trusted source for loans. Today, our financial strength allows us to provide the same services as the big box banks – locally – to individuals.
  • Merchants Capital Corp
  • 410 Monon Blvd, Carmel, IN, 46032
  • Merchants Capital is a multifamily, affordable and healthcare lender offering a direct way to access fixed-rate, long-term, non-recourse financing via our bank, Merchants Bank, all with a single point of contact. We strive to provide the best origination and service of loan products with exceptional customer service, accuracy, creativity
  • Liberty Commercial Capital
  • 40 Executive Drive, Suite B, Carmel, IN, 46032
  • We are a team of highly experienced, certified finance professionals who have the expertise to create custom business loans for your company. Our experts care deeply about customer service and are ready to work closely with you to set up a financial plan. Our portfolio of products is wide-ranging,