USDA Vs. FHA Pro and Con comparison in Scottsdale, Maricopa County, AZ
In 2026, the USDA loan limit for Scottsdale, within Maricopa, AZ, is $353,200, while for a single-family home, the FHA limit is $530,150.
Use the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates and understand the income, credit, reserves, and documents needed for eligibility. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you choose the best program in for your specific financial situation.
2026 Loan Limits and Downpayment Needs in Scottsdale, 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 Choices in Scottsdale, AZ
The mission of Lendersa® is to swiftly connect you with the finest USDA or FHA loan options without hassle. Begin by selecting one of three pathways designed to match you with lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is supported by the Department of Agriculture, specifically for rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not necessitate any down payment, offering significant benefits for those eligible.
Modlending, Inc. is an equal housing opportunity mortgage company. We are pledged to the letter and spirit of the United States policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing.
Mint Mortgage is committed to find the best loan program for your needs. Our company is different than most because we operate as brokers to look across available wholesale lenders that offer financing in Colorado. We have very little overhead, so the lowest rate is passed directly to you.
The Loan Zone Mortgage, LLC. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
2942 Evergreen Parkway, Suite 425 C, Evergreen, CO, 80439
Our mission is to offer the best mortgage rates and minimal closing costs while providing outstanding service! We understand that purchasing or refinancing your home is one of the most important decisions you will make in your lifetime. As such, we believe it is our responsibility to guide you through the mortgage process as a trusted advisor.
1153 Bergen Parkway, Suite 227, Evergreen, CO, 80439
Fairview is a private commercial and residential lender. We are a direct lender with no upfront fees. We strictly lend our own money and hold / service all of our own loans. All decisions are made in house which allows us to close loans quickly. When you work with Fairview, you work directly with the decision makers
First Federal Bank was founded in 1946 with $10,000 in capital as a mutual savings association known as Littlefield Federal Savings and Loan. In 1998, the association converted to a state mutual bank and became First Federal Bank Littlefield, Texas. The vision of First Federal Bank is to customize financial support for every customer.
Evergreen National Bank is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
The Reichert Mortgage Team, LLC specializes in residential home loans, VA loans, and refinancing opportunities for the residents of El Paso County. We are dedicated to giving you the best options possible when it comes to purchasing a home, which is why we offer several assistance programs and credit counseling services!
Integrity First Financial, Inc., a Colorado mortgage lender, has been providing all types of residential loans in Colorado since 2002 and is accredited by the Better Business Bureau (A+). At IFF, we take pride in the business that we have built and we are here to help you with your mortgage needs.
Options Credit Union (formerly named Legal Community Credit Union) is a non-profit financial institution that was established in 1979 by the Denver Bar Association to serve the legal communities banking & financial needs. Options Credit Union you can enjoy a fuill suite of products and services with no monthly fees, no minimum balance requirements.
Our story began in 1973 when 35 Johns Manville employees gathered their funds together and started our credit union as a member-owned financial cooperative. We grew rapidly over the years, serving only employees, retirees, and family members of Johns Manville.
In 1998, we expanded our membership to include other employer groups
10146 West San Juan Way, Unit 100, Littleton, CO, 80127
Fit Lending, we are the ideal choice for a homebuyer in Colorado. We offer low mortgage rates, fast closings and one-on-one personalized service. With our streamlined mortgage approval process, we will close your purchase transactions as quickly as possible and keep you and your realtor updated throughout the process.
