USDA Vs. FHA Pro and Con 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.
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.
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.
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.
505 East Plaza Circle Drive, Suite D, Litchfield Park, AZ, 85340
Lends in Arizona
True North Mortgage can help you achieve your goals. To set up the right Litchfield Park, AZ Mortgage plan for you, get in touch with us. Dan and Jim are a couple of guys that grew up together in the thriving metropolis of Camp Verde, Arizona. No, that's not some boys camp for troubled youth, it really is a place believe it or not.
Level 4 Funding LLC is among the very few mortgage broker companies Licensed in the state that fund private hard money loans for real estate investors and professionals and home owners. Level 4 Funding LLC has a great team of professionals that can help get the tough mortgage approval for you at the best possible rates.
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.
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.
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.
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.
