USDA Vs. FHA Pro and Con comparison in Gilbert, Maricopa County, AZ
In 2026, the USDA loan limit set for Gilbert in Maricopa county of AZ is $353,200. Meanwhile, the FHA cap for a single-family home is $530,150.
Use the Lendersa® USDA loan calculator to compare today's most favorable USDA vs. FHA rates. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting you in selecting the optimal program in for your financial situation.
2026 Loan Limits and Down Payment Needs in Gilbert, Maricopa, AZ
Loan Type
Loan Limit
Down Payment
USDA
$353,200
0%
FHA
$530,150
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Possibilities in Gilbert, AZ
Lendersa® aims to quickly deliver the best USDA or FHA loan to you without the hassle. Begin by choosing one of three starting points to align with lenders and the USDA loan programs best suited to you.
The USDA home loan, also called the USDA rural development loan or mortgage, is backed by the Department of Agriculture and available in rural areas alone. Unlike FHA loans needing a minimum of 3.5% down payment, USDA loans require none, offering a valuable option for eligible buyers.
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