USDA Vs. FHA Pro and Con comparison in Oracle, Pinal County, AZ

In 2025, USDA loan limit in Oracle, county of Pinal, AZ is $353,200 while FHA limit is $530,150 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Oracle, county of Pinal, 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 options in Oracle, AZ

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Arizona?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



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  • Windom Mortgage Services, Inc., NMLS # 376916 / 206986, is a licensed mortgage brokerage business originating loans throughout the state of Florida. Specialties: Conventional Purchases, Refinances, VA, FHA, USDA, Reverse Mortgages, Foreign Nationals and Construction Perm. Primary residences, 2nd homes, Investment Property.
  • NorthStar Lending LLC
  • 10235 Harney Road, Thonotosassa, FL, 33592
  • We have been in the loan origination business for many successful years. This longevity and confidence comes from our mortgage services to a great many homeowners, and their recommendations to others that result in repeat referral business. Our mission is to be a shining light that will guide our customers.
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  • 4190 Belfort Rd, Suite 475, Jacksonville, FL, 32216
  • Berkshire Hathaway HomeServices is a brand-new real estate brokerage network built for a new era in residential real estate. The brand, among the few organizations entrusted to use the world-renowned Berkshire Hathaway name, brings to the real estate market a definitive mark of stability, strength, quality and innovation.
  • Mortgages By Linda
  • 8833 Perimeter Park Blvd, Suite 403, Jacksonville, FL, 32216
  • Linda has been in the mortgage business for 19+ years and is licensed with the NMLS (National Mortgage License System) for Florida. Living in the North Florida area since 1987 has given her a great understanding of the surrounding areas offering relevant and reliable information.
  • Abraham Mortgage LLC
  • 3084 Bellechase Court, Jacksonville, FL, 32216
  • 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
  • American Lending Services Inc
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  • At American Lending Services Inc. your local Florida mortgage professional. As a licensed mortgage originator, my reputation is built on professionalism, integrity & the ability to keep transactions on track. I am dedicated to helping my clients obtain a mortgage that fits their specific financial goals. I am passionate about helping my clients,
  • Florida Mortgage corp
  • 6817 Southpoint Parkway, 1002, Jacksonville, FL, 32216
  • 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...
  • Sharp Mortgages, Inc
  • 8785 Perimeter Park Blvd., Jacksonville, FL, 32216
  • We are a full-service mortgage company based in Jacksonville, Florida. We specialize in first-time home buying in Jacksonville and Ponte Vedra. We also proudly serve greater Jacksonville, its surrounding cities and the following counties: Duval County, St. John's County, and Clay County.
  • Bayway Mortgage Group
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  • Bayway Mortgage Group offers the strengths of a strong capital base and a committed business plan with a “down to earth” local consumer experience. We understand you’re making a commitment in us, you can be certain that we will do our utmost to handling all your mortgage needs giving you the confidence you need.
  • Somerset Mortgage Corp
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  • At Somerset, we believe that with the right tools - information, experience, technology and flexibility - getting through the mortgage process can be done smoothly and with confidence. Our knowledgeable, dedicated mortgage specialists are the best in the business, working with you to explore your financing goals and options.
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  • We are committed to 100% customer satisfaction! Our goal is to take a complicated mortgage situation and create a simple solution to help you reduce debt, maximize your cash flow and create wealth. We help our borrowers integrate the mortgage loan they select into their overall long-and short-term financial and investment goals.