USDA VS FHA in St.-Johns, Apache County, AZ

In 2026, the USDA loan limit for St.-Johns, in Apache, AZ, is set at $285,000. For a single-family dwelling, the FHA limit is $356,362.

Leverage the Lendersa® USDA loan calculator to compare today's best USDA against FHA rates. Identify the income, credit score, reserves, and documents needed to qualify. Our advanced mortgage calculator lists USDA, FHA, Conforming, and VA programs side by side, aiding in choosing the most suitable option for your financial situation in Alabama.

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2026 Loan Limits and Down Payment Requirements in St.-Johns, Apache, AZ

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in St.-Johns, AZ

The Lendersa® goal is to provide you with the best USDA or FHA loan quickly and without trouble. Choose one of three starting points to connect with lenders and align with USDA loan programs.

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Understanding USDA Loans in AZ

A USDA home loan, backed by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment, offering significant savings for qualifying applicants.

Enter your location to find out if it qualifies for USDA rural housing loan?



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