For 2026, 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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $353,200 | 0% |
| FHA | $530,150 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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