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

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.

Review loan offers from 100 lenders

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.

Lendersa USDA loan request and results

Understanding USDA Loans in AZ

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.

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



  • Naviagtor Lending Solutions
  • 5328 Primrose Lake Circle, Suite A, Tampa, FL, 33647
  • Navigator Lending Solutions was founded by seasoned mortgage professionals who recognized the need for reliable back office support in the mortgage industry and shared a collective vision to become the single source provider for lenders. Navigator Lending Solutions supports Retail, Wholesale and Correspondent lending channels.
  • Marimark Mortgage LLC
  • 5327 Primrose Lake Circle, Tampa, FL, 33647
  • Marimark Mortgage is a licensed Florida mortgage lender/broker offering loans in Florida, Virginia and Pennsylvania. Whether you are buying a new home or refinancing, we have loan options that best fit your needs. We also use all the latest technologies to ensure a safe and easy loan process that delivers results.
  • DeVore Financial Services
  • 19046 Bruce B Downs Blvd, Suite 234, Tampa, FL, 33647
  • DeVore Financial Services is to serve our customers with honesty, integrity & competence. We redefine excellence in Mortgage Brokerage services by stepping away from tradition and exploring new innovative ways to serve our customer’s Mortgage needs.Our goal is to provide home loans to our clients while providing them with the lowest interest rates.
  • Green House Mortgage
  • 20420 Colonial Hill Dr, Tampa, FL, 33647
  • Green House Mortgage is a fully and independent mortgage loan origination entity - Currently ONLY in Florida. We can assist in a wide variety of loan programs including VA, FHA, Conventional and Jumbo and Reverse Mortgages.We help originate in both the refinance and purchase scenarios. More specifically
  • Bliss Mortgage LLC
  • 5322 Primrose Lake Circle Suite A, Tampa, FL, 33647
  • Bliss Mortgage LLC, you can count on us to match you with the best mortgage loan available for your situation. Our licensed and experienced Mortgage Loan Originators take pride in working for the client and understanding their needs. Short on time? We are also accessible during evenings and weekends. Every situation may be different,
  • Ohmstar Home Lending LLC
  • 7320 E. Fletcher Avenue, Tampa, FL, 33637
  • Ohmstar Home Lending, LLC. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Blue Dolphin Capital, Inc.
  • 7320 E. Fletcher Ave., Tampa, FL, 33637
  • Blue Dolphin Capital is a mortgage brokerage that specializes in residential and commercial loans. As a company, we understand the benefits of new technology and work closely with some of the most innovative lenders in the industry, to provide an array of loan programs that can best suit our clients. As a leader
  • PowerNet Credit Union
  • 5619 Harney Road, Tampa, FL, 33610
  • PowerNet Credit Union is the largest labor-based credit union in Florida and serves the Building and Construction Trade local Unions and their members throughout the state since 1961. Membership is open to all Florida building and Construction unions, their members, retirees as pensioners or annuitants of said local unions
  • Suncoast Credit Union
  • 6801 E Hillsborough Ave, Tampa, FL, 33610
  • Suncoast Credit Union is the largest credit union in the state of Florida, the ninth largest in the United States based on membership, and the 10th largest in the United States based on its $12.6 billion in assets. Chartered in 1934 as Hillsborough County Teachers Credit Union, Suncoast Credit Union currently operates 74 full-service branches
  • SISTAR MORTGAGE COMPANY
  • 10150 Highland Manor Dr, Suite 200, Tampa, FL, 33610
  • Sistar Mortgage have today announced a partnership that will see the nationwide lender become the Presenting Partner of the upcoming series of Minor League Cricket Franchise Exhibition Matches. As part of the sponsorship, Sistar Mortgage will also have prominent branding on the playing shirts of all 24 Minor League
  • BankFlorida
  • 12612 Highway 301 South, Dade City, FL, 33525
  • BankFLORIDA serves our customers and community by providing financial services with the highest level of integrity and a superior banking experience. We provide our customers access to a full range of financial products and will work hard every day to exceed their expectations. We strive to be the preferred provider, create customer loyalty