FHA VS Conventional loan programs in Yuma, Yuma County, Arizona

During 2026, the limit for Conventional loans in Yuma, situated in Yuma county within AZ, stands at $726,200, whereas the FHA limit for a single-family residence is set at $472,030.

The Lendersa® Conventional loan calculator helps you evaluate today's best rates between Conventional, FHA, and USDA loans, examining the necessary income, credit, reserves, and documents to qualify. Utilize our advanced mortgage calculator to compare Conforming, USDA, FHA, and VA markets side by side, enabling you to choose the most suitable program for your financial needs in AZ.

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2026 Loan Limits and Down Payment Requirements in Yuma, Yuma, AZ

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table applies to these zip codes: 85365

Find Conventional and FHA Loan Opportunities in Yuma, AZ

The aim of Lendersa® is to quickly secure the best Conventional, USDA, or FHA loan suited to you, without difficulty. Begin with one of the three methods that align you with appropriate lenders and loan programs.

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Yuma Lenders

  • 1st Bank Yuma
  • 2799 South 4th Avenue, Yuma, AZ, 85364
  • Lends in Arizona
  • 1st Bank Yuma shall become the premier full service community bank throughout Yuma County. We have adopted an aggressive growth strategy while remaining committed to maintaining the highest quality of individualized personal service in the financial services industry, for our customers.

  • SonAriz Financial
  • 148 W 32nd Street, Yuma, AZ, 85364
  • Lends in Arizona
  • SonAriz Financial® is a consumer lender that offers personal loans and auto title loans. We were established in 2004 to assist our community keeping in mind their financial needs. Our business is the definition of Family Owned and Operated. We treat our customers like family.

    In order to better serve our customers

  • AEA Federal Credit Union
  • 1780 S. 1st Avenue, Yuma, AZ, 85364
  • Lends in Arizona
  • AEA Federal Credit Union is a not-for-profit financial cooperative dedicated to people helping people. Membership at AEA Federal Credit Union means becoming part of a credit union family of more than 33,000 members. For over 79 years, the credit union has served residents of Yuma and La Paz counties in Arizona.

  • Foothills Bank
  • 11689 S. Foothills Blvd, Yuma, AZ, 85367
  • Lends in Arizona
  • Foothills Bank is based on the same sense of community, friendly and down-to-earth attitude that makes this part of America special We're proud to have fifteen locations: two in Yuma, two in Prescott, two in Kingman, two in Lake Havasu, and one in Casa Grande, Prescott Valley, Tucson, Flagstaff, Bullhead City, Cottonwood, and Phoenix.