USDA Loan Vs. FHA loan for Payson, AZ 2026

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 .

Explore USDA and FHA Loan Options in Payson, AZ

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.

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Understanding USDA Loans in AZ

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.

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(775) 831-9555 Lender's profile and map Reviews Lake Tahoe Mortgage LLC 899 Tahoe Boulevard, Suite 500, Incline Village, NV, 89451 Lake Tahoe Mortgage provides residential mortgage loan origination services throughout all of Nevada and California. Our team is made up of knowledgeable and friendly loan officers with years of experience in the mortgage industry. We take the time to talk to you one-on-one, listen to your concerns
(307) 778-5440 Lender's profile and map Reviews Meridian Trust Federal Credit Union 2223 Warren Ave., Cheyenne, WY, 82003 "Our mission is to help our members achieve their financial goals and dreams through: Personal Connections, Simple Solutions, & Lifetime Relationships. Our vision is to provide our members and community with the best personal service, the highest quality financial products, and the best overall value for a lifetime."
(325) 573-5441 Lender's profile and map Reviews West Texas State Bank 5009 College Avenue, Snyder, TX, 79549 Since 1950, our mission has been to provide you with friendly and professional financial services. Times and technology may have changed, but our commitment to that mission has not. We continue to think that we're big enough to serve you, yet small enough to know you. And as always, if visiting one of our two locations is not convenient for you.
(325) 573-6568 Lender's profile and map Reviews Scurry County School Federal Credit Union 1903 40th Street, Snyder, TX, 79549 Scurry County School FCU was established in 1954 by the educators of Scurry County to help other educators with their savings and loan needs. As time went on the membership field was expanded to include employees of the city, county, Cogdell hospital, and Western Texas College. Our office is conveniently located and we are here to serve you.
(775) 348-1000 Lender's profile and map Reviews Heritage Bank of Nevada 2330 South Virginia Street, Reno, NV, 89502 Heritage Bank of Nevada was founded in 1995, in Northern Nevada. Today, we have seven branches focusing on the Northern Nevada area located in Reno, Spanish Springs, Carson City and Carson Valley. Our goal has always been to our community's finest small and mid-sized business bank, and our focus has led to success and profitability.
(775) 334-2038 Lender's profile and map Reviews Reno City Employees Federal Credit Union 386 Holcomb Avenue, Suite E, Reno, NV, 89502 Since 1952, the Reno City Employees Federal Credit Union has been offering savings and loan services to our members. Our membership is open to employees and retirees of the City of Reno, the Reno Housing Authority, and the Airport Authority, as well as their immediate families
(877) 447-0288 Lender's profile and map Reviews Epic Capital Solutions 5605 Riggins Ct, Suite 201, Reno, NV, 89502 Epic Capital Solutions, we all come to work every day because we want to solve one of the biggest problems faced by entrepreneurs: Not having enough money to start, build or grow your dream business. We find that most people looking to fund their businesses do not possess the tools or resources needed to properly structure themselves for successful
(775) 825-1910 Lender's profile and map Reviews Victory Nevada Mortgage LLC 5250 South Virginia St, Suite 360, Reno, NV, 89502 Our goal is to deliver the very best mortgage options possible for your specific requirements... no matter the circumstances. To learn more, click on the links to the left. and We are committed to maintaining an effective and efficient organization that is open and responsive to the needs.
(775) 721-9295 Lender's profile and map Reviews US Financial, LLC - Mark Lamerdin 1325 Airmotive Way, Suite 175-D, Reno, NV, 89502 US Financial is located in Reno, Nevada & has built a strong reputation as an outstanding mortgage company, serving the lending needs of real estate professionals, home builders and helping individuals and families achieve the dream of home ownership throughout Nevada. We understand you have a choice and we want to be your first choice every time.
(775) 343-7802 Lender's profile and map Reviews Umpqua Bank 3490 S. Virginia Street, Reno, NV, 89502 Umpqua Bank You, your life, your money management style—all things that are more important to us than the size of your balance. We pair financial expertise with a passion for getting to know you as an individual—and it’s not just because we’re looking for new gym buddies. We’re on a mission to help you manage.
(775) 333-4228 Lender's profile and map Reviews Great Basin Federal Credit Union 9770 S. Virginia St, Reno, NV, 89511 Great Basin Federal Credit Union has been a member of the community since our charter on January 11, 1951. What began as a 50 member credit union for Reno-Bell Phone Company employees has grown to a community chartered credit union serving over 20, 000 people. Our philosophy of building personable relationships.
(775) 834-4579 Lender's profile and map Reviews Sierra Pacific Federal Credit Union 6100 Neil Rd, Suite 150, Reno, NV, 89511 Sierra Pacific is a not-for-profit, member-owned financial institution. Combine the technology of a big bank with the trust and service of a local co-op, and you'll have an idea of what to expect from this credit union. They offer sophisticated online and mobile banking with mobile deposit and bill pay options.