For the year 2026, the FHA loan limits in Cottonwood county, located within Yavapai, AZ, are specified as follows: $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for those with three units, and $907,900 for four-unit dwellings.
In regard to conventional loans, the upper limit for a single-family residence is $726,200. For two-unit properties, it's set at $929,850; for three-unit homes, the maximum is $1,123,900; and for four-unit homes, the loan limit reaches $1,396,800.
Utilize our FHA calculator to explore and compare today's most competitive FHA rates. This tool will also help identify the necessary down payment, estimate income requirements, check credit qualifications, assess reserves, and gather the documents required for loan qualification.
The Lendersa® calculator empowers users to compare FHA interest rates and terms with those available across a variety of other loan programs. Dive into and explore options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
With data from thousands of lending institutions, Lendersa® efficiently aligns loan programs with your personal financial profile and specific needs.
For 2026, reference the Loan Limits Comparison Table for detailed maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans within Cottonwood county, Yavapai, AZ. To compare qualification details such as income, credit standards, and reserve requirements in-depth, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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