In the year 2026, the USDA loan threshold in Payson, situated in the county of Gila, AZ, is $336,500, whereas the FHA boundary for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to examine today's premier USDA and FHA rates, enabling you to discern the necessary income, credit score, reserves, and documentation needed to qualify. Our sophisticated mortgage calculator facilitates viewing USDA, FHA, Conforming, and VA loans side by side, assisting in selecting the optimal program for your financial circumstances in
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| Type of Loan | Maximum Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to swiftly connect you to the best possible USDA or FHA loan without unnecessary complexity. Select one of three starting strategies that align with lenders and USDA loan offerings.
The USDA home loan, insured by the federal Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans, which mandate at least a 3.5% down payment, USDA loans require none whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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