USDA Vs. FHA your options comparison 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?



Sun-City Lenders

  • Precision Mortgage Inc.
  • 14155 N 83rd Ave, Suite 125, Glendale, AZ, 85381
  • Lends in Arizona
  • Precesion Mortgage has a strong reputation as an outstanding mortgage firm in Peoria Arizona, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending.

  • DK Home Loans
  • 8282 W Cactus Rd, Suite E146, Peoria, AZ, 85381
  • Lends in Arizona
  • "Welcome to DK Home Loans, I'm David Krushinsky, your Phoenix home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.

    We are here to help consumers finance the purchase or refinance of residential real estate. DK Home Loans, LLC is licensed in Arizona - MB-0949619, Idaho MBL-2081779290"

  • ASJ Mortgage Solutions, LLC
  • 8604 West Village Drive, Peoria, AZ, 85382
  • Lends in Arizona
  • ASJ Mortgage Solutions! We're your Arizona home loan experts dedicated to making sure your home purchase or refinance experience is top-notchAs a mortgage broker, we are not influenced by one bank or lender. We have several wholesale mortgage partners, which means we work for the client.

  • Bella Vida Mortgage, LLC
  • 8663 W Union Hills Dr, Suite 401, Peoria, AZ, 85382
  • Lends in Arizona
  • Bella Vida Mortgage wants to be your mortgage broker of choice. They offer competitive rates and a multitude of loan programs to serve borrowers’ needs and assist their realtor partners in closing transactions on time. Every staff member at Bella Vida Mortgage goes the extra mile for their customers—and then some.

  • Nova Home Loans
  • 16150 N. Arrowhead Fountains Center Dr, Suite 260, Peoria, AZ, 85382
  • Lends in Arizona
  • NOVA® Home Loans has built a strong reputation for providing exceptional service to our customers. NOVA is licensed to lend in Alaska, Arizona, California, Colorado, Florida, Illinois, Kansas, Oklahoma, Oregon, Utah, New Mexico, Nevada, Washington, Texas and Virginia. NMLS#3087 | BK#0902429 | NOVA® is an Equal Housing Opportunity.

  • Solido Capital Group
  • 15901 W Waddell Rd #1096, Surprise, AZ, 85379
  • Lends in Arizona
  • Solido Capital Group — 24 years of lending expertise, laser-focused on what builders and investors need most: Construction loans, Rehab loans, DSCR loans, Commercial, and DSCR HELOCs. We don't dabble — we specialize. If you're building, flipping, or scaling a portfolio, we're your capital partner. 

  • RADIANT FINANCIAL GROUP, LLC
  • ​15411 W. Waddell Road, Suite 107, Surprise, AZ, 85379
  • Lends in Arizona
  • Radiant Financial Group, our clients are not just another transaction. We strive to satisfy each customer so completely that they will tell their friends and family members about how much they enjoyed working with us. In fact, 80% of our business comes from customer referrals. Our clients are our most valued asset.

  • BUYORREFI FINANCIAL
  • 14780 W Mountain View Blvd, Suite 206, Surprise, AZ, 85374
  • Lends in Arizona
  • A leading mortgage company in the Peoria area of Arizona, we are committed to helping people in all stages of their life, find the right mortgage for their home & financial goals. We specialize in helping people buy second/retirement homes, reverse mortgages, & qualifying customers to buy a home or refinance the one they currently live in & love.

  • AERO Federal Credit Union
  • 5811 W. Talavi Blvd, Glendale, AZ, 85306
  • Lends in Arizona
  • We have been providing people with affordable, trustworthy financial services for over sixty years. We started in 1957, when a small group of workers in the aerospace industry banded together. Back then, we were known as the Sperry Phoenix Employees Federal Credit Union. Through a series of mergers and acquisitions of our core sponsor