FHA VS Conventional loan in Sedona, Coconino County, Arizona

In the year 2026, the Conventional loan ceiling in Sedona, within Coconino county, AZ, is set at $647,200. The FHA cap, specifically for a single-family home, is $423,200.

Utilize the Lendersa® Conventional loan calculator to examine today’s leading rates between Conventional, FHA, and USDA loans. Determine the necessary income, credit score, reserves, and documentation required for qualification. With our advanced calculator, compare side-by-side the Conforming Conventional loans, USDA, FHA, and VA options to find the most suitable program in AZ for your financial situation.

Access and compare loan offers from 100 different lenders.

2026 Loan Limits and Down Payment Needs in Sedona, Coconino, AZ

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $311,800 0%
FHA $423,200 3.5%

This table's information is relevant to the zip codes: 86336

Explore Conventional and FHA Loan Opportunities in Sedona, AZ

Lendersa® is committed to helping you find the best Conventional, USDA, or FHA loan options promptly and effortlessly. Start by choosing one of three pathways to match with suitable lenders and loan programs.

Lendersa USDA loan request and matching results


  • A-1 Mortgage, LLC
  • 7410 New La Grange Rd, Suite 108, Louisville, KY, 40222
  • Raised in Kentucky, I love being able to help others achieve their dreams to live in this great state. I have been in the mortgage business for over ten years, initially starting my career within our family owned mortgage company, A-1 Mortgage Company, Parker Services. After my family retired, I broadened my knowledge in the field with a position

  • Surepoint Equity
  • 8001 Lyndon Centre Way Suite 101, Louisville, KY, 40222
  • SurePoint Equity LLC is a Local, Private Lender specializing in Fix and Flip and Rehab and Refi renovation loans for Real Estate Investors. We are well capitalized, have very competitive rates and can close as fast as 5-7 business days. We typically lend up to 90% of the purchase price, plus 100% of renovation costs and don't require monthly paymen

  • TLCU Financial
  • 1816 N Main Street, Mishawaka, IN, 46545
  • TLCU Financial has grown into a modern credit union that focuses on meeting our members’ needs. Now, all residents in LaGrange, Marshall, Elkhart and St. Joseph County can join TLCU Financial, or anyone with a family member with an existing TLCU account. Employees from our Select Employee Groups can also become members.

  • The First Bank of Alabama
  • 120 East North Street, Talladega, AL, 35160
  • Founded in 1848, FNB is the oldest continuously operating bank in the state of Alabama.

    We are proud to be a member bank of the FDIC and an Equal Housing Lender.

    Our focus is on the Talladega, Lincoln and Munford communities in North Talladega county as well as the surrounding areas. We are a full service bank catering to both consumer

  • The Southern Bank Company
  • 221 S Sixth St, Gadsden, AL, 35901
  • Originally founded in 1936 as First Federal Savings and Loan, The Southern Bank continues its commitment to the customers, employees, and communities it serves. Providing both Personal and Business Banking solutions, The Southern Bank focuses on delivering clear, uncompromising customer service.

  • The Exchange Bank of Alabama
  • 230 N 3rd St, Gadsden, AL, 35901
  • Exchange Bank proudly serves as Etowah County’s community bank. Since 1909 we have been an active growing part of this community, committed to meeting the needs of the people. This commitment is as strong today as it was over a century ago when we opened our doors as First State Bank of Altoona.

  • First Equity Home Loan, Inc
  • 315 Broad Street, Gadsden, AL, 35901
  • Founded in 1987, First Equity Home Loan is a Gadsden, Alabama based multi branch mortgage banker/broker. Our titles vary. We’re commonly called loan officers, loan consultants, mortgage experts, mortgage pro's loan originators, mortgage bankers, mortgage pro's...you get the picture.

  • Gadsden Mortgage
  • 230 N 3rd St, Suite C, Gadsden, AL, 35901
  • "adsden Mortgage Services has been helping residents of Etowah County and surrounding counties for over 50 years. Established in 1958, we are Gadsden’s oldest mortgage company. We are a wholly-owned subsidiary of Exchange Bank and proud to be part of the family.
    We offer a variety of loan products from construction loans"