USDA Vs. FHA Pro and Con comparison in Clarkdale, Yavapai County, AZ
For 2026, the USDA loan cap in Clarkdale, within the county of Yavapai, AZ, is set at $336,500, while the FHA limit is $472,030 for a single-family home.
Utilize the Lendersa® USDA loan calculator to juxtapose today's optimal USDA and FHA rates. This allows you to determine the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you examine USDA, FHA, Conforming, and VA programs side by side, facilitating informed decisions about the best program for your financial situation in Alabama.
2026 Loan Limits and Down Payment Requirements in Clarkdale, Yavapai, AZ
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Potential USDA and FHA Loan Options in Clarkdale, AZ
The objective of Lendersa® is to swiftly and efficiently connect you with the best possible USDA or FHA loan options. Choose from three available starting points to align with lenders and suitable USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. This loan program is strictly available in rural areas. Unlike the FHA loans that require at least a 3.5% down payment, the USDA mortgages do not need any down payment, offering significant savings to potential homeowners in eligible regions.
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