In 2025, 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.
2025 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.
16152 Beach Boulevard, Suite 131, Huntington Beach, CA, 92647
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
17011 Beach Boulevard, Suite 230, Huntington Beach, CA, 92647
At Professionals Mortgage Group. We are a full-service mortgage company based in Huntington Beach, CA. We specialize in Mortgage Loans and Refinance Loans in Huntington Beach, Seal Beach, Fountain Valley, Westminster, Long Beach, and Santa Ana. We also serve the surrounding cities in Orange County.
17011 Beach Blvd, Suite 900, Huntington Beach, CA, 92647
OC Realtors to help find your dream home in the city you are looking People are often treated like a statistic when shopping for a mortgage. This creates poor communication & response time, jeopardizing your dream of home ownership. A broker who will treat you like a business partner and guide you through the process is rare.
16162 Beach Boulevard, Suite 304, Huntington Beach, CA, 92647
Lendingwide is a full service lender in providing mortgage banking resources for real estate loans that offers competitive rates in today's market. At Lendingwide, we are committed to provide quality lending products and services that create trust by achieving superior customer satisfaction.
7755 Center Ave, 11th Floor, Huntington Beach, CA, 92647
Ameristar Capital Mortgage Inc., where we specialize in residential mortgages. At Ameristar Capital Mortgage Inc., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
16785 Beach Boulevard, Suite A, Huntington Beach, CA, 92647
Amali Capital Funding is a mortgage brokerage located in Huntington Beach, California. As a wholesale brokerage, we are able to compare rates from big-name lenders such as Quicken Loans, LoanDepot, United Wholesale Mortgage, JMAC, etc. and provide the best market rate to our clients. We also offer many programs for first-time buyers.
At Fusion Capital Group, 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
7071 Warner Avenue, Suite F-717, Huntington Beach, CA, 92647
We've been helping customers afford the home of their dreams for many years and we love what we do. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
7071 Warner Ave, Suite F396, Huntington Beach, CA, 92647
"SafeLending is a mortgage company founded in Huntington Beach, CA but serves all of Orange County, Los Angeles County, and San Fernando Valley County.
The founder, Safe Habashi, has been in the mortgage business for nearly 25 years. His extensive experience allows him to work creatively with every client and every situation."
