In the year 2026, the FHA loan cap for a single-family home in Prescott-Valley county within Yavapai, AZ is set at $356,362. It is $456,275 for 2-unit residences, $551,500 for 3-unit homes, and $685,400 for properties with 4 units.
For conventional loans, the highest obtainable amount for a single-family dwelling is $548,250. For 2-units it is $702,000, for 3-units this amount is $848,500, and for 4-unit residences, the limit is $1,054,500.
Use our FHA calculator to find today's top FHA rates and to determine the necessary downpayment, income, credit status, reserves, and paperwork to qualify effectively.
The Lendersa® tool allows for comparison of FHA rates and terms against alternative loan programs. Discover how Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans measure up alongside FHA options.
Lendersa® swiftly aggregates lender data across thousands of offers, tailoring results to your unique financial background and requirements within moments.
The Loan Limit Comparison Table for 2026 in Prescott-Valley county of Yavapai, AZ showcases differences among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loan max limits. To examine qualification factors like income, reserves, and credit standards, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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