USDA and FHA Pro and Con in Phoenix, Maricopa County, AZ
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 .
2026 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.
Headquartered in Covington, Louisiana, Resource Bank serves the community through ten branch locations within St. Tammany, Washington, Jefferson, Orleans Parishes and East Baton Rouge Parishes. Established in 1998, the institution is owned and operated by over 450 local shareholders and has created near 160 local jobs.
Established in 1924, we not only help our neighbors achieve their financial goals, but it is an integral part of our mission to use our resources to enhance community life. We do this by investing in the events and organizations that make St. Tammany Parish home. We strive to make a tangible difference in our community.
50 Louis Prima Drive, Suite A, Covington, LA, 70433
Our credit union started as Gulf Employees-Harvey Federal Credit union on October 12, 1955. On January 1, 1975, our name was changed to Gulf Federal Credit Union. On August 28, 1985, we were re-named CUSA Federal Credit Union, as we are today. Later, two other credit unions joined CUSA Federal Credit Union, in 1989, Operators, Inc.
American Bank & Trust Company, Inc. was chartered by the State of Louisiana in 1964. This community bank serves the parishes of Red River, St Tammany, Tangipahoa, and Jefferson. American Bank prides itself as a good citizen in the communities it serves. Local businesses both large and small have grown with us over the years.
Northshore Mortgage Partners is here to handle any of your mortgage lending needs. Our office is conveniently located to serve you in Covington, LA, and we are fully licensed to originate in both Louisiana & Mississippi. We are a true local Mortgage Lender with home loan products for every borrower.
Your one stop mortgage resource. We would love the opportunity to serve anyone who is looking to buy, sell, or refinance residential properties. We can help you in Louisiana, Mississippi, Alabama, & Florida. We Believe every client is unique. You are more than just a loan and a loan should help you achieve your goals and dreams.
522 N New Hampshire St, Suite 7, Covington, LA, 70433
Vista Mortgage offers over 20 years of mortgage lending experience! Our goal is to make the mortgage process simple and stress free. We strive to be there for our clients, and can be reached after hours if neccassary! We are here to make the mortgage process as simple as possible for all of our clients.
We've been helping customers afford the home of their dreams for many years and we love what we do. There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.
