USDA VS FHA in Sun-City, Maricopa County, AZ

As of 2026, 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.

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2026 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?



  • Henry Munoz Real Estate Loans
  • 2430 Torrance Blvd, Suite F, Torrance, CA, 90501
  • Henry Munoz was raised in the Los Angeles County area known as the South Bay.He grew up in Lomita, CA. Served 6 years in the United States Army and also California National Guard as a Medic.Henry attended the Academy of Health Sciences at Ft Sam Houston TX. Henry Munoz is Licensed as a Real Estate Broker by the California Department of Real Estate.

  • Trec Lending Inc
  • 21171 South Western Avenue, Suite 2824, Torrance, CA, 90501
  • Trec Lending Inc founder of the Raymond A. Bennett specialize in representing clients in the purchase and sale of single-family residences and income property within Carson also Focused on FHA financing which includes First Time Buyer Programs, Reverse Mortgage for seniors, & VA Loans

  • D.Reams And Company
  • 1308 Sartori Avenue, Suite 105, Torrance, CA, 90501
  • Providing superior real estate services to hundreds of South Bay and Southern California families and investors.
    Specialization includes Torrance, Redondo Beach, the Palos Verdes Peninsula, the Beach cities and the surrounding communities of Lomita, Gardena, Carson and unincorporated areas of Los Angeles county.

  • Crown Realty and Financial Corporation
  • 2020 Del Amo Boulevard, Suite 105, Torrance, CA, 90501
  • Our vision focuses on educating clients through a wide range services. Additionally, the integrated components of Crown Companies have made our team uniquely prepared to service clients in a variety of important financial areas – real estate, financial services and asset management.

  • montgomery Financial servicess
  • 1704 W. Manchester Avenue, Suite 210E, Los Angeles, CA, 90047
  • "Montgomery Financial Services is a reputable mortgage broker company whom can originate traditional and non traditional mortgage financing. We are NMLS licensed (Company ID# 1116788 - Individual ID# 360947) and have over 17 years of experience in the mortgage finance industry.

    We want to help you either finance or refinace your dream home"

  • LA Gordon Mortgage Center
  • 2350 250 St, Suite 10, Lomita, CA, 90717
  • 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. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Golden State Mortgage
  • 2244 Pacific Coast Hwy, Suite 106, Lomita, CA, 90717
  • Golden State Mortgages is focused on helping Californians achieve the goal of home ownership. Our goal is to close every loan in 28 days or less. In-house underwriting, processing, and closing allows for fast approval and on-time fundings.Local California mortgage company and provide top-notch customer support.

  • HomeIT Lending
  • 695 S Harvard Blvd, Los Angeles, CA, 90005
  • HomeIT Lending is a fast growing mortgage company with a firm commitment to delivering quality service to our customers. We offer a wide range of mortgage products with competitive rates and fast closing. We pride ourselves on providing superior customer service and creating satisfied customers.

  • Dior Realty
  • 611 South Catalina, Suite 310, Los Angeles, CA, 90005
  • At Dior Realty We know how important it is to purchase or sell a home; that’s why we founded our business as a way to help & educate our community. Diorella is a hands on realtor. She's been in the industry for 19 years. Only and always strive for her clients' best interests. Her experience and knowledge is what sets her apart from other agents.