USDA Vs. FHA your options comparison in Payson, Gila County, AZ

In 2024, USDA loan limit in Payson, county of Gila, AZ is $336,500 while FHA limit is $472,030 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.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Payson, county of Gila, AZ

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

USDA and FHA loan options in Payson, 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?



  • Creative Hard Money, LLC
  • 508 Whitehorse Mercerville Rd., Trenton, NJ, 08610
  • Creative Hard Money LLC is a trusted hard money rehab loan lender in New York and Pennsylvania. We aim to serve our customers and our clients and help them in dealing with their concerns on business, commercial land mortgages and hard money rehab loans; a lender with the best and most knowledgeable people to serve your mortgage and financing needs.
  • Central Jersey Police & Fire Federal Credit Union
  • 2430 Hamilton Avenue, Trenton, NJ, 08619
  • The Central Jersey Police & Fire Federal Credit Union is proud to be a member-owned, not-for-profit financial cooperative dedicated to serving its members. Our motto is “People Helping People.” We are all working together to help each other meet our individual financial goals. The credit union is a nonprofit, cooperative financial institution.
  • First Point Federal Credit Union
  • 2430 Hamilton Avenue, Suite 2, Trenton, NJ, 08619
  • To become a member of First Point Federal Credit Union you must be employed by one of our Select Employee Groups (SEGs) or if someone in your immediate family or household is currently a member of the Credit Union. An immediate family member includes a spouse, child, parent, brother or sister, grandparent or grandchild.
  • Hamilton Horizons Federal Credit Union
  • 3535 Quakerbridge Road, Suite 600, Hamilton Township, NJ, 08619
  • Hamilton Horizons offers a wide variety of convenient, money saving products and services that are designed to meet all your financial needs. These products include high-yield savings and investment accounts, low-interest loans, and numerous services that let you conduct your financial business when it’s convenient for you.
  • Benchmark Mortgage
  • 2572 Route 9, Ocean View, NJ, 08230
  • At Benchmark Mortgage we specialize in ALL areas of residential and commercial real estate financing. We offer mortgage programs suited for first time home buyers, the experienced property investor as well as builders and small business owners. We have access to short term construction and rehab loans.
  • Preferred Funding Services, Inc.
  • 25 Homestead Drive, Suite F, Columbus, NJ, 08022
  • At Preferred Funding Services, Inc., we treat each customer as an individual, not a number. We don’t place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • BREEZY MORTGAGE LLC
  • 8 Dana Ave, Ocean View, NJ, 8230
  • Breezy Mortgage is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently,
  • Homepath Lending llc
  • 227 Rt 206 N, Flanders, NJ, 7836
  • 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.
  • Peapack-Gladstone Bank
  • 500 Hills Drive, Suite 300, Bedminster, NJ, 07921
  • Peapack Private, the bank’s wealth management* division, offers comprehensive financial, tax, fiduciary and investment advice and solutions, to individuals, families, privately-held businesses, family offices and not-for-profit organizations, which help them to establish, maintain and expand their legacy.
  • American Federal Mortgage Corporation
  • 360 Route 24, Chester, NJ, 07930
  • American Federal Mortgage, we make it easy for those seeking to refinance or purchase their dream home in 10 states by offering a variety of flexible loan programs geared toward each client's specific mortgage needs. Having been a recognized leader in the mortgage lending industry for nearly three decades,
  • The Bank of Princeton
  • 183 Bayard Lane, Princeton, NJ, 08540
  • Established in 2007, The Bank of Princeton opened its Chambers Street doors for business on the 23rd of April. Since then, the Bank has grown to include nineteen branch locations that serve Mercer, Burlington, Camden, Gloucester, Hunterdon, Middlesex, Monmouth, Ocean, and Somerset counties in New Jersey
  • Princeton Federal Credit Union
  • 774 Alexander Road, Princeton, NJ, 08540
  • Princeton Federal Credit Union was founded in 1972 by the faculty and staff of Princeton University. We are a not-for-profit financial cooperative serving the financial needs of our members. Our Core Values are Great People, Integrity, Service Mindset, and Teamwork. Princeton Federal Credit Union was originally chartered in 1972.