USDA Vs. FHA your options comparison in Paradise-Valley, Maricopa County, AZ

For the year 2025, in Paradise-Valley, county of Maricopa, AZ, the USDA loan maximum is $294,400, while for a single-family home, the FHA limit is $368,000.

To assess today’s leading USDA versus FHA rates, use the Lendersa® USDA loan calculator. This tool determines the income, credit standing, reserves, and required documentation to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you in choosing the right program for your financial needs in .

Review loan proposals from 100 lenders

2025 loan limits and down payment essentials in Paradise-Valley, Maricopa, AZ

Loan Type Loan Limit Down payment
USDA $294,400 0%
FHA $368,000 3.5%
Conventional Conforming $548,250 3%

Loan Options: USDA and FHA in Paradise-Valley, AZ

Lendersa® aims to quickly secure you the best USDA or FHA loan options with minimal hassle. You can begin with one of three initial steps that match you with lenders and USDA loan programs.

Illustration of Lendersa USDA loan request and matching results

What are USDA Loans in AZ?

The USDA home loan, backed by the government Department of Agriculture, known as a USDA rural development loan or a USDA mortgage, is designed for rural areas only. FHA loans require at least a 3.5% down payment, whereas the USDA mortgage requires none.

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



  • Globe and Anchor Mortgage
  • 10722 White Oak Street, Suite 5, Granada Hills, CA, 91344
  • Globe and Anchor Mortgage is the leading choice for all mortgage services in the Southern California. We have a proven track record of having helped numerous families refinance, purchase a home, and assist during the cash out process. We are veteran led and a family owned business so it is our focus to help other families all throughout California
  • Montana Home Loans
  • 17408 Chatsworth Street, Suite 101, Granada Hills, CA, 91344
  • Montana Realty & Home Loans is President of the John Broker officer at Montana Realty and Home Loans We are a dedicated and successful Real Estate & Mortgage company in Southern California with more than 20 years experience, it is our personal goal to make your Buying, Selling or refinancing experience very pleasant.
  • Tribune Investments and Loans
  • 15650 Devonshire Street, Suite 100, Granada Hills, CA, 91344
  • Tribune Investments and Loans will give you the personal attention you deserve with the respect you are due as a valued customer. We are known for integrity and experience in the mortgage industry, we are committed to break down the barriers to owning a home and to educate consumers.
  • Franklin Express Mortgage Inc.
  • 10723 White Oak Avenue, Granada Hills, CA, 91344
  • Franklin Express Mortgage Inc. 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.
  • Southwest Mortgage
  • 17045 Chatsworth Street, Granada Hills, CA, 91344
  • Southwest Mortgage are fractionalized, different investors own various percentages of the loan, meaning that each investor is putting up less than the entire amount required for the loan. An assignment of their interest in the trust deed is recorded with the county recorder. Even trust deed investors.
  • Valleywide Capital Group Inc
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  • 3CALoan
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  • private money lenders
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  • We are one of the largest private money lending firms in Granada Hills, CA. Our clients derive a great deal of trust as a result of our unique long-term relationships. Our knowledgeable management team is comprised of competent industry veterans, with many years of experience with all facets of the real estate finance industry.
  • Montserrat Financial Group, Inc.
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  • Northwest Financial Network Corporation
  • 17907 Raymer Street, Northridge, CA, 91325
  • Northwest Financial Network our top priority is to take loan applications, for purchase or refinance, at our office or at your place, and process them as fast as possible. In this volatile market, it makes a lot of difference if you get your loan approved as soon as possible. When you get your loan approved, you can take advantage of the market.
  • Palisades Funding Inc
  • 860 Via De La Paz, Suite B-5, Pacific Palisades, CA, 90272
  • Palisades Funding, Inc. provides alternative financing for borrowers who have not been able to achieve financing through traditional methods. We are not bound by a set of specific criteria, which allows us to provide custom crafted solutions for our borrowers and investors to meet their goals.