USDA and FHA Pro and Con in Phoenix, Maricopa County, AZ
In 2025, 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.
2025 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.
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?
"Rainbow Mortgage Inc. is owned and operated by local mortgage advisors Gale and David Jamison.
Prior to starting Rainbow Mortgage Inc., David worked for a Fortune 500 company as a Sales Manager/Senior Underwriter in a division that closed over 1000 loans per month. David worked as an Alternative Loan Specialist with Wells Fargo."
First Security Bank is a local, family owned bank that is a proud supporter in helping customers achieve financial success and freedom. We are passionate about the community in which we live and work and strive to pay it forward and make a positive impact to better the lives of others.
We’re proud to be an independently owned community bank and of the vital role we have in the area we serve. From our owners to tellers, we all live, work, and invest in the local homes and businesses in these same communities. At Sherburne State Bank we pride ourselves on being well-rounded bankers who understand sales, underwriting.
5600 La Centre Ave, Suite 100, Albertville, MN, 55301
St. Cloud Financial Credit Union is a local not-for-profit. That means it is natural for us to focus on our members' needs, not our bottom line. We care, we partner with our members on their banking needs, and we build genuine relationships. We are committed to creating a meaningful difference for our members and our community.
Toro Federal Employees Credit Union offers comprehensive financial services to Toro employees who live in the United States, as well as their immediate family members. Immediate family members include: spouses, children, stepchildren, parents, grandparents, grandchildren, brothers and sisters.
Established in 1957 by local educators, My Credit Union (formerly RBCU) is committed to improving the quality of its members lives by helping to educate them to make the best financial decisions, provide them with the best personal and remote access service, and strengthen the communities it serves by giving back both time and money.
8053 East Bloomington Freeway, Suite 300, Bloomington, MN, 55420
Superior Financing, Inc. is a small independent brokerage firm with national investor alliances for favorable (enhanced) pricing. Superior Financing, Inc. utilizes state of the art industry leading software and technology for streamline applications, processing and underwriting for a smooth process and enjoyable experience.
RiverHills Bank has been the financial institution of choice for many individuals, businesses and organizations throughout Mississippi since 1890. Our customers value the personal service we provide and are secure in the knowledge they are working with a locally owned bank that shares their sense of community.
