USDA Vs. FHA your options comparison in Surprise, Maricopa County, AZ
In 2026, the USDA loan limit in Surprise, county of Maricopa, AZ, is $353,200. In contrast, for a single-family home, the FHA loan cap is $530,150.
Use the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates. Assess the income, credit levels, reserves, and documents necessary to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, helping you choose the best option in based on your financial situation.
2026 Loan Limits and Downpayment Requirements in Surprise, Maricopa, AZ
Loan Type
Loan Limit
Down Payment
USDA
$353,200
0%
FHA
$530,150
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Surprise, AZ
The goal of Lendersa® is to quickly secure the best USDA or FHA loan for you without hassle. Choose one of three starting paths, each designed to match you with the right lenders and USDA loan programs.
A USDA home loan, also termed as a USDA rural development loan or USDA mortgage, is a government-backed loan by the Department of Agriculture. It's available only in rural neighborhoods and doesn't require any down payment, unlike FHA loans, which require at least a 3.5% down payment, making them a cost-effective option for qualified rural buyers.
We specialize in making Residential, Commercial, Fix & Flip and Probate Hard Money/ Private Equity Loans to Borrowers who have credit issues, difficulty proving their income or have had their mortgage applications turned down by the Big Banks. Most of our Borrowers receive their funds in less than 2 weeks.
We are one of the only few locally owned mortgage brokers in New Mexico. We are passionate over our clients, to us, it’s more than just buying a house, it’s a home, where lasting memories will be made. Our goal and motto is to turn our clients into friends and neighbors with our service, care and expertise.
8535 Reseda Blvd, Suite 100, Northridge, CA, 91324
We are a full service mortgage brokerage with experience in the areas of mortgage lending, real estate and business. Our company has established relationships with a multitude of mortgage investors and Banks to provide the best programs for your individual circumstances. Whether your looking to refinance or purchase we have a loan program for you.
Our vision of home ownership is helping families understand that owning a home IS possible. Whether you are financially prepared now or whether families need to know the steps they need to take to be eligible for a home in the future, our goal is to educate families on what they need to do to own a home.
9017 Reseda Boulevard, Suite 204, Northridge, CA, 91324
Universal Home Loans, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
9338 Reseda Blvd, Suite 210, Northridge, CA, 91324
At LA Mortgage Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options
We are the Credit Union for BNSF Employees and their Families. We understand your life is constantly on the tracks, so we make it easy on you to open an account, apply for a loan, and get access your funds. We have been serving BNSF Employees since 1955. We are a closed member Credit Union, that means not just anyone can join.
Mortgage West is to create lasting relationships with each and every client and to continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. The Mortgage West name is trusted throughout the community.
Our team of professionals is eager to help you with this big financial decision. We will treat you right and give you the personal service you deserve. We know you're making a commitment in buying a house, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify
