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
Examine different loan offerings from 100 lenders
| Loan Type | Loan Limit | Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
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.
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?
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