USDA Vs. FHA your options comparison in Black-Canyon-City, Yavapai County, AZ

In 2025, the USDA loan limit in Black-Canyon-City, within Yavapai county, AZ stands at $285,000, whereas the FHA cap for a single-family home is $356,362.

Use Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates. Discover the income, credit score, reserves, and paperwork necessary for qualification. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side. It assists in deciding the optimal program for your specific financial needs in .

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2025 Loan Limits and Required Downpayments in Black-Canyon-City, Yavapai, AZ

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Available USDA and FHA Loan Options in Black-Canyon-City, AZ

Lendersa® is dedicated to providing the best USDA or FHA loan options quickly and with minimal stress. Choose one of three options to connect with lenders and USDA programs that fit your criteria perfectly.

Lendersa USDA loan request and matching results

Understanding USDA Loans in AZ

The USDA home loan, also called a USDA rural development loan or USDA mortgage, is a government-backed loan available in rural areas, requiring no down payment. This differs from FHA loans, which need at least a 3.5% down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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