USDA and FHA Pro and Con in Phoenix, Maricopa County, AZ
For 2025, in Phoenix, located in the county of Maricopa, AZ, the USDA loan ceiling is $353,200, while the FHA cap for a single-family home is $530,150.
Take advantage of the Lendersa® USDA loan calculator to compare today's optimal rates for USDA versus FHA. Assess the income, credit score, reserves, and necessary documentation for qualification. Utilize our advanced mortgage calculator to see side-by-side comparisons of USDA, FHA, Conforming, and VA options, guiding you to the most suitable choice for your financial needs in .
2025 Loan Limits and Down Payment Requirements in Phoenix, Maricopa, 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 Opportunities in Phoenix, AZ
Lendersa® strives to efficiently secure you the best possible USDA or FHA loan without any hassle. Select one of three starting paths to align with lenders and USDA loan options fitting your needs.
A USDA home loan, also known as the USDA rural development loan or USDA mortgage, is endorsed by the government through the Department of Agriculture. This loan is tailored for rural areas and does not require a down payment, in contrast to FHA loans that necessitate a minimum of 3.5% down payment, making it more accessible to eligible borrowers.
Turn Two Mortgage offers customized mortgage solutions, superior rates, lightning speed and first-class service creating an amazing borrower experience. What sets us apart from the rest is our dedication to customer satisfaction. We understand that buying or refinancing a home is a significant decision, and we take pride in providing exceptional se
State Bank of Missouri, with assets of more than $55 million, is a chartered financial institution that serves customers in Jackson and Lafayette counties in Missouri. Its parent company, C.S. Bancshares, is a multi-bank holding company based in Chillicothe, Mo. C.S. Bancshares is the parent company to Chillicothe State Bank in Chillicothe;
After having multiple bad experiences in getting a home loan, Mike Dorman decided there is a better way to help clients obtain financing. Old fashioned customer service, communication and attention to detail have allowed The Dorman Team the honor of helping thousands of clients purchase or refinance their home loan
We are a full-service mortgage company based in Olympia, WA. We specialize in Refinance, Home Purchase, Loans, and Great Rate Mortgages in Olympia, Lacey, Tumwater, Yelm, Tacoma, Shelton, Centralia, Chehalis, and Dupont. We offer a wide range of refinance options, designed to best meet the needs of local borrowers.
Security Bank is your neighborhood bank. Our Mission is To help our customers meet their financial goals through banking, prudent lending, investment and insurance services. We will earn the confidence of our customers each day by providing dependable services and reliable information at their convenience, not ours.
Bryant State Bank is a locally owned community bank that has built its history by forming lasting relationships with the community, our customers and our neighbors. We have maintained our founders’ original vision of serving the community with consumer friendly products and helping customers succeed financially.
Landmands Bank began in 1909. At Landmands Bank you are a face and a name, not a number or a quota. As we work diligently to provide you with personal service, we recognize that our success depends on your success. That's why we strive to provide you with quality financial products
The Mt. Rainier Federal Credit Union, chartered in 1967, is a non-profit financial cooperative owned by the members. We offer our members higher rates on savings, and lower rates on loans. One of our strengths has always been our care and concern for members and their families Our whole philosophy of business is based on member service.
