In 2026, the USDA loan limit in Vail, part of Pima county, AZ, is $336,500, whereas the FHA limit is $472,030 for a single-family home.
The Lendersa® USDA loan calculator can assist in comparing top USDA vs. FHA rates today. It will help you determine the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator offers side-by-side comparisons of USDA, FHA, Conforming, and VA loans, enabling you to choose the most suitable program for your financial needs in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to quickly secure the best USDA or FHA loan for you with minimal hassle. Begin with one of three options to be matched with lenders and targeted USDA loan programs.
A USDA home loan, known as a USDA mortgage or rural development loan, is guaranteed by the Department of Agriculture and available only in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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