For 2026, the USDA loan limit in Sun-City-West, situated in the county of Maricopa, AZ, is $294,400, while the FHA limit for a single-family home is $368,000.
Utilize Lendersa®'s USDA loan calculator to assess today's prime USDA against FHA rates, determining necessary income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator places USDA, FHA, Conforming, and VA options side by side, helping you determine the best program in for your personal financial circumstances.
2026 Loan Limits and Downpayment Requirements in Sun-City-West, Maricopa, AZ
Loan Type
Loan Limit
Down Payment
USDA
$294,400
0%
FHA
$368,000
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Sun-City-West, AZ
The aim of Lendersa® is to promptly secure the most appropriate USDA or FHA loan for you, without hassle. Choose one of three starting points to match with lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is supported by the Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans demand no down payment.
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