In 2026, the USDA loan limit for El-Mirage, located in the county of Maricopa, AZ, is $294,400, while the FHA cap for a single-family dwelling is $368,000.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. Discover the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows for a side-by-side analysis of USDA, FHA, Conforming, and VA options, helping determine the best program in for your unique financial situation.
2026 Loan Limits and Downpayment Requirements in El-Mirage, Maricopa, AZ
Loan Type
Loan Limit
Down Payment
USDA
$294,400
0%
FHA
$368,000
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in El-Mirage, AZ
Lendersa® aims to quickly secure the optimal USDA or FHA loan for you without hassle. Begin with one of three paths to connect with compatible lenders and discover suitable USDA loan programs.
A USDA home loan, guaranteed by the government Department of Agriculture, and referred to as a USDA rural development loan or USDA mortgage, is reserved for rural neighborhoods. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans demand no down payment.
Solido Capital Group — 24 years of lending expertise, laser-focused on what builders and investors need most: Construction loans, Rehab loans, DSCR loans, Commercial, and DSCR HELOCs. We don't dabble — we specialize. If you're building, flipping, or scaling a portfolio, we're your capital partner.
15411 W. Waddell Road, Suite 107, Surprise, AZ, 85379
Lends in Arizona
Radiant Financial Group, our clients are not just another transaction. We strive to satisfy each customer so completely that they will tell their friends and family members about how much they enjoyed working with us. In fact, 80% of our business comes from customer referrals. Our clients are our most valued asset.
14780 W Mountain View Blvd, Suite 206, Surprise, AZ, 85374
Lends in Arizona
A leading mortgage company in the Peoria area of Arizona, we are committed to helping people in all stages of their life, find the right mortgage for their home & financial goals. We specialize in helping people buy second/retirement homes, reverse mortgages, & qualifying customers to buy a home or refinance the one they currently live in & love.
Precesion Mortgage has a strong reputation as an outstanding mortgage firm in Peoria Arizona, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending.
"Welcome to DK Home Loans, I'm David Krushinsky, your Phoenix home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.
We are here to help consumers finance the purchase or refinance of residential real estate. DK Home Loans, LLC is licensed in Arizona - MB-0949619, Idaho MBL-2081779290"
505 East Plaza Circle Drive, Suite D, Litchfield Park, AZ, 85340
Lends in Arizona
True North Mortgage can help you achieve your goals. To set up the right Litchfield Park, AZ Mortgage plan for you, get in touch with us. Dan and Jim are a couple of guys that grew up together in the thriving metropolis of Camp Verde, Arizona. No, that's not some boys camp for troubled youth, it really is a place believe it or not.
ASJ Mortgage Solutions! We're your Arizona home loan experts dedicated to making sure your home purchase or refinance experience is top-notchAs a mortgage broker, we are not influenced by one bank or lender. We have several wholesale mortgage partners, which means we work for the client.
8663 W Union Hills Dr, Suite 401, Peoria, AZ, 85382
Lends in Arizona
Bella Vida Mortgage wants to be your mortgage broker of choice. They offer competitive rates and a multitude of loan programs to serve borrowers’ needs and assist their realtor partners in closing transactions on time. Every staff member at Bella Vida Mortgage goes the extra mile for their customers—and then some.
16150 N. Arrowhead Fountains Center Dr, Suite 260, Peoria, AZ, 85382
Lends in Arizona
NOVA® Home Loans has built a strong reputation for providing exceptional service to our customers. NOVA is licensed to lend in Alaska, Arizona, California, Colorado, Florida, Illinois, Kansas, Oklahoma, Oregon, Utah, New Mexico, Nevada, Washington, Texas and Virginia. NMLS#3087 | BK#0902429 | NOVA® is an Equal Housing Opportunity.
