USDA Vs. FHA Pro and Con comparison in Nogales, Santa Cruz County, AZ

As of 2025, the USDA loan limit for Nogales, located in Santa Cruz, AZ, is $336,500, whereas the FHA limit for a single-family home is $472,030.

The Lendersa® USDA loan calculator can be used to examine today's top USDA versus FHA rates. Determine what income, credit, reserves, and documentation are required to qualify. Our advanced mortgage calculator allows a side-by-side comparison of USDA, FHA, Conforming, and VA options, assisting you in choosing the best program in for your unique financial requirements.

Review loan offers from 100 lenders

2025 Loan Limits and Downpayment in Nogales, Santa Cruz, AZ

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Nogales, AZ

The mission of Lendersa® is to promptly secure the ideal USDA or FHA loan with minimal hassle. You can choose from one of three starting points to connect with matching lenders and USDA loan programs.

Lendersa USDA loan inquiry and matching results

Defining USDA Loans in AZ

The USDA home loan, also known as the USDA rural development loan or mortgage, is backed by the government through the Department of Agriculture and is exclusively for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment.

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



  • Effective Mortgage Company
  • 8535 Reseda Blvd, Suite 100, Northridge, CA, 91324
  • We are a full service mortgage brokerage with experience in the areas of mortgage lending, real estate and business. Our company has established relationships with a multitude of mortgage investors and Banks to provide the best programs for your individual circumstances. Whether your looking to refinance or purchase we have a loan program for you.
  • Downtown Financial Group - Home Mortgage Loans
  • 19520 Nordhoff St, Suite 7, Northridge, CA, 91324
  • Our vision of home ownership is helping families understand that owning a home IS possible. Whether you are financially prepared now or whether families need to know the steps they need to take to be eligible for a home in the future, our goal is to educate families on what they need to do to own a home.
  • Universal Home Loans
  • 9017 Reseda Boulevard, Suite 204, Northridge, CA, 91324
  • Universal Home Loans, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
  • L.A. Mortgage, Inc
  • 9338 Reseda Blvd, Suite 210, Northridge, CA, 91324
  • At LA Mortgage Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options
  • CHS Group
  • 18923 Soledad Canyon Rd, Canyon Country, CA, 91351
  • "Capital Home Sales is committed to providing exceptional service with integrity, honesty, knowledge and professionalism. Our services include: - Loan Modification - Refinance - Home Loan - Short Sale - Purchase of a Home - Sale of a Home - List of REO Properties - List of Short Sale"
  • Woodland Hills Mortgage Corporation
  • 21777 Ventura Boulevard, Suite 211, Woodland Hills, CA, 91364
  • Woodland Hills Mortgage Corporation, Real Estate Broker, CA Dept of Real Estate #01901462 NMLS #752237, was founded in 1990 as a private lending institution to fund “make sense” loans that banks won’t make. We knew these bank rejected borrowers still needed mortgage assistance that we could provide
  • Empire of America Corporation
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  • After 35 years in mortgage lending, Empire of America established itself as an effective and knowledgeable mortgage lending firm that knows how to move with the times. With a wide variety of loan products available, a completely secure online platform, and literally ZERO salespeople, you'll find you can easily talk through your home loan opti
  • Mortgage Loan Services Inc
  • 20501 Ventura Boulevard, Suite 311, Woodland Hills, CA, 91364
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Innovation Lending Solutions, Inc.
  • 20121 Ventura Blvd, Woodland Hills, CA, 91364
  • At Innovation Lending Solutions we believe in funding your loan quickly and professionally. In today's market you need a quality and experienced mortgage lending team to fund your loan in a timely manner. Let us help your family today.vation Lending Solutions we believe in funding your loan quickly and professionally.
  • Royal REP Mortgage
  • 23293 Ventura Blvd, Woodland Hills, CA, 91364
  • Our goal is to share with you invaluable information about buying and selling homes in Southern California. In addition to being able to search the Multiple Listing Services for the latest single family homes, townhouse and condo listings, you can set up an email Listing Alert system that will keep you up to date
  • Referral Lending Inc
  • 22543 Ventura Boulevard, Suite 212, Woodland Hills, CA, 91364
  • Referral Lending can help you reach your financial goals. We offer a full range of low rate mortgage products for the conforming and non-conforming borrower. At Referral Lending, we are dedicated to customer service and satisfaction with a focus on your individual needs. One of our primary sources of business is from referrals, generated.
  • Lotus Mortgage & Realty Inc.
  • 23241 Ventura Boulevard, Suite 217, Woodland Hills, CA, 91364
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to deliver superior loan and real estate service to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.