USDA and FHA Pro and Con in Mesa, Maricopa County, AZ
As of 2025, the USDA loan limit applicable to Mesa, within the county of Maricopa, AZ, is $353,200. For a single-family dwelling, the FHA maximum is set at $530,150.
Use the Lendersa® USDA loan calculator to explore and compare the best available rates for USDA versus FHA loans. This tool assists in determining the required income, credit standing, reserves, and necessary documentation to qualify. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, facilitating your choice of the ideal program in tailored to your individual financial profile.
2025 Financing Boundaries and Initial Payment Obligations in Mesa, Maricopa, AZ
Type of Loan
Max Loan Amount
Initial Payment
USDA
$353,200
0%
FHA
$530,150
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Mesa, AZ
At Lendersa®, our mission is to efficiently provide you with the best USDA or FHA loan, with minimal inconvenience. Start by choosing one of three initial strategies to match with lenders offering USDA loan programs suited to your requirements.
The USDA home loan, alternatively termed as a USDA rural development loan or USDA mortgage, is government-backed by the Department of Agriculture. Available only in rural locales, it requires no down payment, which stands in stark contrast to FHA loans necessitating a minimum 3.5% down payment, thus providing a more accessible financial solution for eligible rural inhabitants.
The Harvard State Bank has led the way with safe and sound business principles; helpful, friendly customer relations; and state of the art banking plans and developments. We offer ATM service in a number of locations; a wide variety of checking, savings and money market accounts; a complete Loan Department offering a wide variety of mortgages.
Smart Mortgage Centers is a Better Business Bureau A+ rated Mortgage Company. We are a family owned and operated business helping the community obtain mortgages for purchase and refinancing since 1997. At Smart Mortgage Centers, we work with over 30 of the top lenders in the industry to help find you the best rate
Your home for real estate financing. Multi-Family and Single Family financing. We keep the process simple so you can focus on growing your business.
We focus on our experience to achieve the best results. Our investment rental property programs are suited specifically for investors only. Here are a few of the perks we offer for single family ren
The Sacramento Deposit Bank was given a first authorization on October 14, 1895 by and between J.T. Morehead, Wilson & Gabbert, Coffman Brazzell Company, J.R. Vickers, G. Quisenberry, Gish and Igleheart, Wm. Jagoe Sr, T.W. Whitmer, A.J. Milan, J.A. Shutt, G.W. Martin, all of McLean County, Kentucky
The Initial Mortgage, Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
We are community banking at its best! Based in Columbus, Fall River, Friesland, Juneau and Rio, Wisconsin, we have been serving your banking needs since 1861. We are dedicated to your best interests in a way only a community bank can understand, bringing you the best of modern banking technology.
Greenwoods is headquartered in Lake Mills, WI, founded in 1884 and is a FDIC state-chartered bank. We have locations in Jefferson, Green, Rock, Racine, Walworth and Waukesha Counties.
Greenwoods is a high touch, community focused bank centered on you, our customer. We have all of the most advanced technology products
Bank of Lake Mills was organized in 1893 by S. A. Reed, E. J. Fargo, L. D. Fargo, David Gardner, B. J. Silliman, R. E. Favill, Robert Fargo, William Everson and Conrad Engsberg. The bank was built despite the numerous bank failures that occurred that same year.
In 1919, Emil Neupert joined Bank of Lake Mills and became Bank President.
Avestar Credit Union is committed to providing its members sound and dependable financial service. We will provide loans to the community in a prudent and sound manner in accordance with our written policy. Our members will receive a fair and competitive return on their investments while we maintain the financial stability of the credit union.
Badger Bank will be a strong, growing, independent community bank that strives to achieve customer loyalty, employee success.
In July of 1884, a State-chartered bank opened its doors for the first time at 218 South Main Street, Fort Atkinson. Citizens State Bank (now known as Badger Bank) was established by Congressman L. B. Caswell
