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.
We have been serving Northern Arizona since 1985 and our mission has always been to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome
The Smart Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Prescott Federal Credit Union is a financial cooperative serving its members with a complete line of financial products and services. Prescott Federal was founded on November 19, 1937 to serve the employees of the Veterans Administration Medical Center under the name of Prescott U.S. Employees Federal Credit Union.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
"Mill Mortgage services Arizona, California, Florida, and Washington. We have access to a wide variety of programs giving us the ability to place you in the best product that suites your needs. Competitive rates, low fees, quick turnaround times, accessibility, and great service are all standard, but what sets us apart is being able to provide."
3536 West Hidden Mountain Court, Anthem, AZ, 85086
Lends in Arizona
Union Home Lending LLC mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
Our mission is to provide financial services to the entire population of people, not just individuals that are able to meet today’s stringent documentation guidelines. We specifically aim to empower underbanked homeowners and communities by providing access to prime capital. Electrum Financial PLLC is a mortgage broker
Covenant Home Loans is an Independent Mortgage Broker owned and operated by Nick Vallario. With over 30 years of experience in mortgage banking, both as a Mortgage Broker and a Mortgage Banker, Nick is uniquely qualified to assist you with your home financing. In working with Nick, you will avoid high overhead costs associated with multi-layered
10031 E. Dynamite Blvd Suite 230, Scottsdale, AZ, 85262
Lends in Arizona
A & A Funding Corp was founded in 1982 by Hugh Anderson. Hugh at the time had extensive experience in the real estate industry starting in 1970 but created A & A Funding Corp to expand his private money lending services. In 2008, his two sons Wayne and Brad Anderson purchased A & A Funding Corp., making it a multi-generational business.
