USDA and FHA Pro and Con in Cottonwood, Yavapai County, AZ
During 2026, the USDA loan ceiling in Cottonwood, part of Yavapai county in AZ, is $336,500. For a single-family home, the FHA limit is $472,030.
Leverage the Lendersa® USDA loan calculator to analyze current USDA versus FHA top rates, defining the income, credit, reserves, and documents necessary for eligibility. Our advanced mortgage calculator helps by presenting USDA, FHA, Conforming, and VA options side by side, guiding your decision on the best program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Cottonwood, Yavapai, AZ
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Cottonwood, AZ
Lendersa® aims to provide you with the best USDA or FHA loan quickly and without hassle. Choose from one of three initial methods to connect with appropriate lenders and USDA loan programs.
A USDA home loan, endorsed by the government Department of Agriculture and known as a USDA rural development loan or mortgage, is exclusive to rural neighborhoods. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA loans have no down payment required.
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