USDA Vs. FHA Pro and Con comparison in Sun-City, Maricopa County, AZ

As of 2025, in Sun-City, Maricopa county, AZ, the loan limit for USDA loans is $294,400, while the FHA cap is $368,000 for a single-family home.

Utilize the Lendersa® USDA loan calculator to compare top USDA versus FHA rates today and figure out the income, credit, reserves, and documents required for qualification. This advanced tool shows USDA, FHA, Conforming, and VA loans side by side, aiding your decision regarding the best program in for your needs.

Review 100 lender offers

2025 Loan Limits and Downpayment in Sun-City, Maricopa, AZ

Loan Type Loan Limit Down Payment
USDA $294,400 0%
FHA $368,000 3.5%
Conventional $548,250 3%

USDA and FHA Loan Paths in Sun-City, AZ

Lendersa® aims to quickly find the ideal USDA or FHA loan without hassle. Begin with one of three paths linking to the right lenders and programs.

Lendersa USDA loan matching results

About USDA Loans in AZ

The USDA home loan, backed by the Department of Agriculture, is for rural areas, often called a USDA rural development loan. Unlike FHA loans needing a minimum down payment of 3.5%, USDA loans require no down payment.

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



  • Prestamo Mortgage Corp
  • 609 1/2 Whittier Blvd, Montebello, CA, 90640
  • Prestamo Mortgage Corp is fully licensed for FHA, FANNIE MAE, FREDDIE MAC AND PRIVATE/HARD MONEY mortgages. Prestamo Mortgage Corp offers: Prime, Alt-A, Non-QM and Asset based mortgage options. The company’s founders have overs 20 years of combined experience in the Mortgage and Real Estate industries.
  • Camino Federal Credit Union
  • 520 N Taylor Ave, Montebello, CA, 90640
  • Camino Federal Credit Union has been caring for the financial needs of our community. Originally named Montebello Schools Federal Credit Union, our history began with service to employees of the Montebello Unified School District. Today, we are proud to serve members from every industry, background, and age group.
  • HL Home Loans
  • 3327 West Beverly Boulevard, Montebello, CA, 90640
  • HL Home Loans offers multiple programs to help home buyers obtain the financing they need. Specializing in FHA loans and VA loans, we are sure to find you the best California mortgage rate available for your specific situation. We offer low to no down payment options and flexible repayment terms such as fixed rate mortgages
  • Home Central Financial
  • 7847 Florence Avenue, Suite 101, Downey, CA, 90240
  • Our team works for YOU and offers a variety of customizable products and services to meet your specific needs! We are proud to be able to help our customers with all their needs, whether they are looking to purchase a home or refinance their existing mortgage. We even offer information about down payment assistance programs.
  • California First Home Loans
  • 9901 Paramount Blvd, Suite 105, Downey, CA, 90240
  • We have funded over $300 Million in loans. Our lending decisions are generally made instantly. We take any lending situation no matter how complicated and find a way to make the loan. Our rates vary depending on the type of property, term of loan and general situation. California First Home Loans was established in 1986.
  • Julian Lending
  • 9317 Firestone Blvd, Downey, CA, 90240
  • offering expertise in every area of mortgage lending from purchase, refinance, investment to construction lending. We offer the best mortgage tools available on the Internet – easy, convenient, online shopping for the best loan programs and most current rates available together with the assistance of an experienced live loan officer to guide you
  • AMV Financial Corporation
  • 8041 Florence Avenue, Suite 203, Downey, CA, 90240
  • Mortgage Broker who is approved with many Wholesale partners and therefore not influenced by any one Bank. We provide options for our customers looking to Purchase or Refinance. Home loan programs include FHA, Conventional and VA financing. We have also added Mobile home loans to our list of products.
  • Dynamic Home Loans,
  • 8050 Florence Avenue, Suite 203, Downey, CA, 90240
  • Dynamic Home Loans, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
  • New Aim Funding Inc.
  • 8050 Florence Avenue, Suite 26, Downey, CA, 90240
  • At New Aim Funding. We are a full service mortgage company based in Downey, California. We specialize in FHA Loans, VA Mortgages, Jumbo, Commercial and Conventional Loans in Downey, California. We also serve the surrounding cities in Los Angeles County. Whether you are buying a home or refinancing in any of these zip codes: 90240, 90280, 90255,