USDA VS FHA in Bullhead-City, Mohave County, AZ

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 best suits your financial situation.

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2026 Loan Limits and Downpayment Needs in Bullhead-City, Mohave, AZ

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

Exploring USDA and FHA Loan Options in Bullhead-City, AZ

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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in AZ

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?



  • Exceed Capital Lending
  • 606 East Glenoaks Boulevard, Suite 120, Glendale, CA, 91207
  • Our simple application process can be completed in less than a minute. We assess your strengths as a borrower. We take care of the underwriting process once your application is pre-qualifeid. After we obtain the minimal required documentations from you, our underwriters get to work and don’t rest until we get you funded.

  • Addison Funding
  • 1022 Olancha Drive, Los Angeles, CA, 90065
  • We, on the other hand, work for you, are approved on a wholesale level with a multitude lenders and have the marketing knowledge that can direct us to that wholesale conduit offering Conventional, FHA, VA, expanded conforming, jumbo or super jumbo financing at the best prevailing rates, but it doesn’t stop there.

  • First Cal
  • 1125 E Broadway, Suite 545, Glendale, CA, 91205
  • First Cal began providing loans to new home buyers in 1977, helping to fund explosive economic growth. In time we launched Headlands Mortgage Company to bring innovative loan programs to mortgage brokers. We expanded the operation across the country and, at one point, made loans in 42 states.

  • Quick Loans America
  • 1125 E. Broadway, Suite 545, Glendale, CA, 91205
  • Quick Loans America We Welcome Good Credit, Bad Credit And Poor Credit For All Of Our Loans. With A Simple Form You Can Start Your Loan Process Today. Quick Loans America Now Has Lenders That Can Go Up To $50, 000. Our mission at Quick Loans America is to make your lending process as quick and easy as possible.

  • Los Angeles Federal Credit Union
  • 300 S. Glendale Ave, Glendale, CA, 91205
  • Los Angeles Federal Credit Union (LAFCU), was founded in 1936 by Los Angeles City employees to provide a source for affordable financial services to their fellow workers. Today our 49, 000 members include Los Angeles City employees, retirees and volunteers, "Select Employee Group" employees,

  • Jacob & Jacob Realty & Finance Inc.
  • 225 East Broadway, Suite 201, Glendale, CA, 91205
  • Jacob and Jacob Realty & Finance launched in July 2015 in Glendale, California providing mortgage and real estate services with excellent customer service. We are a committed team of both real estate agents and loan officers with a combined experience of 30 years in our industry.

  • Glencore Lending
  • 220 South. Kenwood Street, Suite 305, Glendale, CA, 91205
  • Glencore Lending we treat each customer as an individual, not a number. We don’t place you into a loan profile formula created by the banking industry. We use “common sense” and will help you obtain the best loan possible. We represent a wide range of “A” rated lenders with first quality rates.

  • Better Loans & Realty
  • 4543 Encinas Dr, Glendale, CA, 91205
  • "Ester Perez and Joseph Perez – (husband and wife) founded Better Loans & Realty in 2005 with a vision of helping individuals build wealth through hard money. With the hope that the more one can accumulate the more one can give.

    We are a hard money mortage brokerage which acts as a conduit to large REIT, pension and hedge funds. We focus on h