USDA Vs. FHA your options 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.

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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?



  • Minnesota Catholic Credit Union
  • 400 E Little Canada Road E, Little Canada, MN, 55117
  • MN Catholic Credit Union has been serving members of our Catholic community since 1946 with excellent personalized service & making financial products both affordable & accessible. This credit union is the combination of 2 Catholic credit unions with rich histories. In 2011, St John’s of Little Canada Credit Union acquired MN Catholic Credit Union.
  • Jay Dacey Mortgage Team Inc
  • 2862 Middle St, Saint Paul, MN, 55117
  • Since 2003, Jay Dacey has been helping home owners plan for, obtain and manage their home loans. The Jay Dacey Mortgage Team was founded to fulfill our mission to help clients achieve the American Dream of home ownership. Our vision is to become the largest independent mortgage brokerage in MN by delivering 5 star service.
  • MCT Financial
  • 3240 East River Road, Rochester, MN, 55906
  • At MCT Financial, we have over 30 years of experience in serving mortgage borrowers. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. We offer unparalleled mortgage and refinance service to clients throughout the entire State of Minnesota!
  • Main Source Mortgage
  • 3224 6th Ave NE, Rochester, MN, 55906
  • Main Source Mortgage our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process so that you can confidently select the best loan for you & your company from the many loan options that are available today.
  • Bank of Belleville
  • 215 South Illinois St, Belleville, IL, 62220
  • We are invested in making the communities we serve stronger and providing the best experience for our clients. “Smaller Bank, Bigger Service, Stronger Community” is not just a tagline; it’s a promise. Our commitment to client and community service is at the forefront of everything we do.
  • SUPERIOR HOME LOANS LLC
  • 301 West A Street, Belleville, IL, 62220
  • 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
  • Red Lake Co-op Federal Credit Union
  • 111 2nd Street SW, Red Lake Falls, MN, 56750
  • Red Lake Co Op Federal Credit Union has been open since 1949. The credit union has assets totaling $8.4 Million and provides banking services to more than 1, 000 members. The credit union is religious, or fraternal, or low-income associational credit union. Membership is also open to immediate family of current members.
  • Midwest BankCentre
  • 200 E Broadway, Monmouth, IL, 61462
  • Midwest Bank is proud to be a locally-owned, community bank. Our employees understand that the foundation of our business is built on the relationships we have with our customers. We serve the communities with courtesy, professionalism and integrity; our customers are our neighbors, friends and family.
  • Community National Bank
  • 311 N Main St, Monmouth, IL, 61462
  • Community National Bank in Monmouth is a Locally Owned Bank providing friendly and personalized service to the people and businesses in Monmouth, Illinois and the surrounding area. In January 1964 the community of Monmouth was shocked to learn that control of the Second National Bank had changed and the bank was being voluntarily liquidated.