FHA VS Conventional loan programs in 2025 for Flagstaff, Coconino County, Arizona

In 2025, the Conventional loan cap in Flagstaff, within the county of Coconino, AZ, is set at $726,200. Meanwhile, the FHA limit for a single-family house is $517,500.

Utilize the Lendersa® Conventional loan calculator to compare today's top rates among Conventional, FHA, and USDA loans, assessing the income, credit, reserves, and documents necessary for qualification. With our advanced calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side, helping you determine the best program for your financial needs in AZ.

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2025 Loan Caps and Down Payment Details in Flagstaff, Coconino, AZ

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $338,500 0%
FHA $517,500 3.5%

This information applies to zip codes: 86001, 86011, 86004, 86002, 86005

Conventional and FHA Loan Paths in Flagstaff, AZ

The aim of Lendersa® is to secure the most suitable Conventional, USDA, or FHA loan promptly and without hassle. Begin with one of the three options that align with lenders and loan offerings that meet your criteria.

Lendersa USDA loan requests and matching results


  • Gelt Financial LLC
  • 6401 Congress Ave Suite 215, Boca Raton, FL, 33499
  • Gelt Financial, LLC ("Gelt"​) is a non bank direct commercial lender satisfying its clients financial needs and goals since 1989. Gelt's robust commercial product offerings are available across the country to US Citizens and Foreign Nationals. We focus on loans between $100,000 and up.
  • Reverse Mortgage Lending Center
  • 40 S.E. Fifth Street, Suite 502, Boca Raton, FL, 33432
  • We Promise to fully explain to you all the latest and most accurate information about Reverse Mortgages, but we also promise to never pressure you in any way. If you decide to proceed, we will be with you through every step of the process and after. We will always treat you with the respect you deserve.
  • Reach Home Loans
  • 327 Plaza Real, Suite 215, Boca Raton, FL, 33432
  • At Reach Home Loans communication, transparency, and speed are the focus. Our client and Realtor® reviews are a testament to that. Since our business relies heavily on word of mouth referrals, we understand the importance of being available to clients and referral partners beyond traditional banking hours.
  • lending2U
  • 1877 S Federal Hwy, Suite 304, Boca Raton, FL, 33432
  • "At LENDING2U we focus on working together and supporting our clients with effective and personalized financial solutions. We offer mortgages for residencial & commercial properties, constructions, ReFinancing and improvements. Our business areas include investors, brokers and realtors to become the best option of mortgage services."
  • Ameritrust Mortgage Associates
  • 150 East Palmetto Park Road, Suite 800, Boca Raton, FL, 33432
  • Ameritrust Mortgage Associates will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. Melinda have been a Mortgage Loan Originator for over 26 years.
  • A Class Loans LLC
  • 1600 South Dixie Highway, Suite 500A, Boca Raton, FL, 33432
  • We are conveniently located in Boca Raton Florida, we offer our services with honesty, fast process, and responsibility. Our company does not focus in close loans only, we focus in the best interest for our customers. The company has 1 principal on record. The principal is Glenn Fradera from Boca Raton FL.
  • Dot Mortgage Company LLC
  • 1200 N. Federal HIghway, Suite 200, Boca Raton, FL, 33432
  • "DOT SPECIALIZES IN FINANCING FOR FOREIGN NATIONALS. The FOREIGN NATIONAL market is small and unexplored due to its complexity. We seek and formulate the best financing solutions for foreigners. We also have teams dedicated to working with the various categories of loans already existing in the North American Market"
  • PRIMA FINANCIAL SERVICES INC
  • 33 SouthEast 7th Street, Suite N, Boca Raton, FL, 33432
  • Prima Financial Services, strives to be your financial service provider of choice. We recognize that you have a choice and that we have to earn your trust and confidence. Our objective is to serve each of our customers with the up most quality and honesty in obtaining a mortgage. Prima Mortgage originators are trained to obtain you
  • Heide International LLC
  • 1200 North Federal Highway, Suite S200, Boca Raton, FL, 33432
  • Heide International Mortgage Financing are passionate about Real Estate Finance and are always looking for innovative structures to meet the demands and goals of our clients. The world of mortgage financing can be confusing and frightening. Banks rarely have to time, education or know how that it takes to walk first time home buyers