USDA Vs. FHA Pro and Con comparison in Phoenix, Maricopa County, AZ

In 2024, USDA loan limit in Phoenix, county of Maricopa, AZ is $353,200 while FHA limit is $530,150 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.

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2024 loan limits and downpayment requirments in Phoenix, county of 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 options in Phoenix, 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?



  • Command Financial Group
  • 2150 S Canalport Ave, Suite 4B6, Chicago, IL, 60608
  • Command Financial Group is a licensed mortgage broker in the state of IL and CO. We are a veteran owned and operated company that specializes in helping veterans with their loan needs. We also do loans for conventional and FHA borrowers as well. We want to help you make the most informed decision when navigating the various loan options available.
  • Wisconsin Consumer Credit Incorporated
  • 700 East Avenue, Lomira, WI, 53048
  • Wisconsin Consumer Credit has been helping customers with auto financing since 2009. Our staff provides fast response, friendly service & a personal review of every auto loan application received. We care about your transportation needs & partner with dealers that stand behind their vehicles to ensure you get where you need to go, safely & on time.
  • South Side Community Federal Credit Union
  • 5401 S Wentworth Avenue, Number 25, Suite 19E, Chicago, IL, 60609
  • Our mission is to equalize economic power and to fight poverty by improving financial literacy and providing access to credit and savings services for our members. We are working to create and maintain an accessible, full service federal credit union organization, which is owned and managed by its members.
  • 77th Street Depot FCU
  • 5401 South Wentworth Avenue, Unit 26, Chicago, IL, 60609
  • The 77th Street Depot Federal Credit Union was founded in 1938, The original field of membership was and is Chicago Transit Authority employees and their family members. The Credit Unions were founded on the idea that though a cooperative financial effort, individuals sharing common bonds could benefit.
  • EPIC Impact Investors - Hard Money Lender
  • 142 W. 62nd St, Suite 305, Chicago, IL, 60621
  • EPIC Impact Investors Hard Money Lender for Chicago properties and we develop people of color to become capital investors to passively invest in real estate and build wealth.Hard Money Lender for Chicago properties and we develop people of color to become capital investors to passively invest in real estate and build wealt
  • PIAS Credit Union
  • 305 Plus Park Boulevard, Nashville, TN, 37217
  • PIAS Credit Union has been open since 1991. The credit union has assets totaling $5.61 Million and provides banking services to more than 700 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • Accurate Mortgage Group
  • 1321 Murfreesboro Pike, Suite 200, Nashville, TN, 37217
  • Accurate Mortgage Group is a division of Acopia, LLC, which is a locally owned and operated mortgage lender in Middle Tennessee. But, really, we’re pretty much like you. Many of us grew up in this area and, those who didn’t, are quick to say how happy they are to have moved here. We’re proud to say that we live
  • Lakeside Mortgage
  • 3025 N. Western Avenue, Suite 102, Chicago, IL, 60618
  • At Lakeside Our Vision is… To be known as the most Professional and Ethical mortgage company in the Chicago land area. We have but One Mission… We choose to focus on our customers and their needs – One Relationship at a Time. It has made us who we are today and will carry us securely into the future.