USDA Vs. FHA Pro and Con comparison in Flagstaff, Coconino County, AZ
As of 2026, the USDA loan cap in Flagstaff, within the county of Coconino, AZ, stands at $338,500, while the FHA ceiling is set at $517,500 for a single-family residence.
Utilize the Lendersa® USDA loan calculator to evaluate the most favorable USDA and FHA rates today, and ascertain the income, credit, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator enables you to compare USDA, FHA, Conforming, and VA options, giving you the insight needed to choose the ideal program for your financial needs in .
Loan limits and down payment requirements for 2026 in Flagstaff, Coconino, AZ
Loan Type
Loan Limit
Down Payment
USDA
$338,500
0%
FHA
$517,500
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Flagstaff, AZ
The mission of Lendersa® is to swiftly and easily provide you with the most advantageous USDA or FHA loan. Start by selecting one of three options to connect with compatible lenders and USDA loan programs.
The USDA home loan is a government-backed mortgage provided by the Department of Agriculture and commonly referred to as the USDA rural development loan or USDA mortgage. It's specifically intended for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages require no down payment at all.
2800 S. Woodlands Village Blvd, Flagstaff, AZ, 86001
Lends in Arizona
Established in 1955 Coconino Federal Credit Union began in 1955 as a teachers credit union. Over the years we have grown to be the only financial institution based in Coconino County and open to everyone in Coconino County. We still use the original foundation for the credit union- People Helping People!
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.
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.
At Winslow Santa Fe Credit Union, members come first. We promise to offer honest, fair deals to every member, every time. We promise to treat every member with respect and dignity. We promise to strive to be a trusted financial advisor that our members can count on to assist them with achieving their financial dreams.
"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."
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.
In April of 1964 the Snowflake Mills Federal Credit Union was chartered by the Southwest Forest Industry’s employees. Years later the CU became a SEG (Select Employer Group) credit union, which means other employers have joined the CU’s field of membership. The field of membership has since been opened up to any person that lives
