USDA Vs. FHA your options comparison in Lake-Havasu-City, Mohave County, AZ

In 2026, the USDA loan limit in Lake-Havasu-City, within the county of Mohave, AZ stands at $285,000. Meanwhile, the FHA limit for a single-family residence is $356,362.

Utilize the Lendersa® USDA loan calculator to weigh today's top USDA versus FHA rates, and discern the income, credit, reserves, and documented requirements needed to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, making it easier to choose which program in is most suited to your personal financial situation.

Examine different loan offerings from 100 lenders

2026 loan limits and downpayment requirements in Lake-Havasu-City, county of Mohave, AZ

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

Available USDA and FHA Loan Options in Lake-Havasu-City, AZ

Lendersa® is dedicated to securing the ideal USDA or FHA loan for you promptly and without unnecessary difficulty. Choose from one of three initial steps to connect with compatible lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in AZ

A USDA home loan is endorsed by the government Department of Agriculture, often termed the USDA rural development loan or simply USDA mortgage, and is accessible exclusively in rural regions. Unlike FHA loans, which necessitate a minimum 3.5% down payment, the USDA mortgage demands no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Caleb Parmenter - Big Valley Mortgage
  • 7485 N Palm Ave, Ste 101, Fresno, CA, 93711
  • Caleb Parmenter is your premier mortgage professional located in Fresno, California. Caleb and Caleb Parmenter - Big Valley Mortgage offer some of the most competitive rates nationwide, making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Fresno area.

  • ORO Financial of California Inc
  • 2304 W. Shaw, Suite 102, Fresno, CA, 93711
  • Since 1989, Oro Financial of CA, Inc has originated residential and commercial loans for borrowers who have tried to obtain conventional financing but were unable to. Credit is not a problem and we can loan against any property within the State of California. We will move fast and have been able to fund in 24 hours.

  • Mid Valley Financial
  • 7644 North Palm Avenue, Fresno, CA, 93711
  • Mid Valley Financial is the Central Valley’s premier residential and commercial mortgage lender. We pride ourselves on offering some of the lowest rates & making the loan process fast, simple and straight forward for borrowers seeking an inexpensive mortgage in California, loan officers can help you take the first step toward a financial solution.

  • Mid Valley Financial
  • 7644 North Palm Avenue, Fresno, CA, 93711
  • Mid Valley Financial is the Central Valley’s premier residential and commercial mortgage lender. We pride ourselves on offering some of the lowest rates and making the loan process fast, simple and straight forward for borrowers seeking an inexpensive mortgage in California. Whether you are a first time buyer, purchasing your dream property.

  • M.C. Real Estate Corp
  • 4672 West Jennifer Avenue, Suite 106, Fresno, CA, 93722
  • Manuel Chavez is the Broker for M. C. Real Estate Corp. which has been opened for the last 13 years. He graduated from California State University, Fresno in 1995 where he received his degree in Business Administration with an emphasis in Real Estate and Land Economics. In 2001 he opened up M. C. Mortgage.

  • Southeastern Arizona Federal Credit Union
  • 1600 N Panamerican Avenue, Douglas, AZ, 85607
  • SEAFCU is a not-for-profit, member owned financial institution dedicated to providing our members with excellent service and products. This service will be delivered with the utmost professionalism of our employees. We will earn the trust of our members through recognition of our responsibility to make safe and sound business decisions.

  • Granite West Funding, LLC
  • 40879 CA-41, Suite 1A, Oakhurst, CA, 93644
  • "Granite West Funding as a locally-based Oakhurst mortgage company, we work with customers in and around Oakhurst as well as throughout the state of California.
    Our goal is to get you quickly and affordably into your dream home, and to make the entire lending experience speedy, friendly and easy."

  • ONE STOP SHOP REALTY, INC.
  • 37042 Avenue 12, Madera, CA, 93636
  • At One Stop Shop Home Loans, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options

  • SLO Credit Union
  • 1220 Osos Street, San Luis Obispo, CA, 93401
  • In 1953, four local but separate credit unions came together to form the Credit Union Center, becoming the only one of its kind in the country. Separately, each one struggled to maintain office hours and operating staff. Today, these four have merged into one strong entity known simply as the SLO Credit Union.

  • Acquire Mortgage and Real Estate Inc.
  • 1405 Garden Street, San Luis Obispo, CA, 93401
  • Acquire offers the most competitive programs and rates available in the marketplace. We have access to over 50 lenders within the mortgage industry and fund some of the loans in house. These wholesale lenders are all reputable banks, most which offer a wide range of loan products, which gives Acquire the ability to source the best product

  • Arrona Financial Real Estate Lending
  • 599 Higuera Street, Suite F, San Luis Obispo, CA, 93401
  • Arrona Financial Real Estate Lending specializes in getting your home loan funded. From first time home buyers to seasoned investors, Arrona Financial has the experience, knowledge and ability to make your next real estate transaction a smooth one. From purchase money to refinance, we have the loan to fit your needs.

  • Pacific Trust Mortgage
  • 735 Tank Farm Rd. Suite 210, San Luis Obispo, CA, 93401
  • Pacific Trust Mortgage was originally founded in 2002 with the genuine belief in creating clients for life. Founded in San Luis Obispo, CA, PTM is rooted in the Central Coast and is fast becoming the preferred lending partner for Realtors, CPA’s, Financial Advisors, and builders alike.