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.
4 Hutton Centre Drive, Suite 1000, Santa Ana, CA, 92707
"At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our ""People Before Profits"" mentality shines through in every department.
We continue to grow rapidly and have several open positions to fill."
6 Hutton Centre Drive, Suite 1030, Santa Ana, CA, 92707
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster.
In the old days, you'd go down to your local bank to get the funding you need. Now, it's almost impossible to get the money you need without all the red tape. We’ve simplified the process. Are you looking for a Line of Credit, Term Loan or to Rehab? Apply for our business loan in minutes, without painful paperwork or run around.
402 West Stevens Avenue, Apartment D, Santa Ana, CA, 92707
"In 2013, I started Front Door Funding so that I could provide a better service to my existing mortgage clients and to enjoy the freedom of owning my own business.
By taking direct control over loan processing, I have been able to provide immediate and accurate closing estimates for my customers and their Real Estate Agents."
4 Hutton Centre Drive, Suite 760, Santa Ana, CA, 92707
William Lyon Mortgage share William Lyon Homes’ passion for excellence and service. In addition to servicing our new home clients, our seasoned team also offers an array of available options to new and existing clients including: purchase loans for resale homes, mortgage refinance options, 203K home repair loans, Foreign National loan programs.
5 Hutton Centre Drive, Suite 200, Santa Ana, CA, 92707
"Nations Direct is not just a lender -we’re your partner for prosperity. We’re continually innovating to offer our partners the highest quality service, the most competitive rates and the most efficient processes in the wholesale lending industry.
Nations Direct Mortgage specializes in residential lending,"
4 Hutton Centre Dr., Suite 500, Santa Ana, CA, 92707
HMAC must have unlimited growth potential. In order to achieve this, there should be a dedication to ensuring that there is large capital infusion which can help promote warehouse line capacity, start-up capital, and reserves that are required by the state and agencies guidelines
1600 South Douglass Road, Suite 110 & 200-A, Anaheim, CA, 92806
Carrington Mortgage Services, LLC ( “Carrington”) (NMLS ID #2600) is a national direct to consumer and wholesale lender. Our retail home lending division has community-based branches assisting borrowers with home financing opportunities and local real estate agents with their buyer clients.
