For 2026, the USDA loan limit in Bullhead-City, within Mohave county, AZ, is set at $285,000, while the FHA limit for a single-family home in the area is $356,362.
Employ the Lendersa® USDA loan calculator to compare the top rates between USDA and FHA today, identifying the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side, assisting you in determining which plan in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to swiftly provide you with the best possible USDA or FHA loan, ensuring minimal hassle. You can start by choosing one of three routes that will connect you with lenders and suitable USDA loan programs.
A USDA home loan, also referred to as a USDA rural development or mortgage loan, is backed by the government's Department of Agriculture. It is available solely in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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