USDA VS FHA in Lake-of-the-Woods, Navajo County, AZ
As of 2026, in Lake-of-the-Woods, located in Navajo, AZ, the USDA loan limit is $285,000. In contrast, the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare USDA and FHA rates today. Identify the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows side-by-side viewing of USDA, FHA, Conforming, and VA options, helping you to determine the best fit for your financial needs in Alabama.
2026 Loan Limits and Down Payment Requirements in Lake-of-the-Woods, Navajo, AZ
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Choosing USDA and FHA Loan Options in Lake-of-the-Woods, AZ
Lendersa® aims to quickly connect you with the best USDA or FHA loan options. Pick one of three starting points to match with lenders and USDA loan programs.
Backed by the Department of Agriculture, the USDA home loan, also called a USDA rural development loan or mortgage, is exclusive to rural areas. FHA loans require a minimum down payment of 3.5%, but USDA loans do not require a down payment, offering an advantage to eligible borrowers.
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