USDA VS FHA in Prescott, Yavapai County, AZ

In 2026, the USDA loan limit for Prescott, in the county of Yavapai, AZ, is $336,500. Meanwhile, the FHA limit for a single-family home amounts to $472,030.

Use Lendersa®'s USDA loan calculator to compare top USDA and FHA rates today. Determine the required income, credit, reserves, and documents to qualify. Our advanced calculator lets you view USDA, FHA, Conforming, and VA programs side by side, helping you choose the best option in for your financial situation.

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2026 Loan Limits and Downpayment in Prescott, Yavapai, AZ

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional $726,200 3%

USDA and FHA Loan Choices in Prescott, AZ

Lendersa® is dedicated to securing the best USDA or FHA loans promptly and without complication. Choose from three starting options to connect with compatible lenders and discover applicable USDA loan programs.

Lendersa USDA loan request results

Understanding USDA Loans in AZ

The USDA home loan, a government-backed product by the Department of Agriculture, is intended for rural areas with no down payment, unlike FHA loans that require at least 3.5% down.

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



  • Clovis 1st Real Estate Services Inc.
  • 635 Barstow Ave, Suite 16, Clovis, CA, 93612
  • Clovis 1st Real Estate Services, Inc. in 1995 to provide our community with the best realtor services that they deserve. We put up the business when we moved to Clovis. We are licensed to provide our real estate sales, home loans, and real estate consultation. We have always valued integrity and a high legal standard of work

  • Park Place Mortgage
  • 418 Pollasky, Clovis, CA, 93612
  • Park Place Mortgage helping our clients, its simple. We want to make real estate personal again. We want to make something that can be stressful and complicated, easy and streamlined. We are local. We live locally, we shop locally, we support local. We make this area our home. We know this market inside and out and are excited.

  • All Access Mortgage
  • 96 Shaw Avenue, Suite 205, Clovis, CA, 93612
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.

  • Mission Mortgage & Realty
  • 2700 Clovis Ave. Suite 108, Clovis, CA, 93612
  • At Mission Mortgage and Realty we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.

  • Dollar Loan Center
  • 1789 W 7800 S, West Jordan, UT, 84088
  • This is Dollar Loan Center your Community Short-Term, personal loan provider with 57 locations across Nevada and Utah. Established in 1998, we’re the top provider of signature loans in the cash loan industry. The success of DLC signature loans is due to our competitive interest rate

  • First Fidelity Financial Services
  • 8821 South Redwood Rd, Suite B, West Jordan, UT, 84088
  • First Fidelity Financial Services™ is owned and operated by Bryan Pettit a Certified Mortgage Planner who through tested and proven principles, delivers consistent, stable, insights and results into all aspects of residential mortgage lending, (home purchases, refinances and reverse mortgages).

  • Reverse Freedom LLC
  • 9089 S 1300 W, Suite 110, West Jordan, UT, 84088
  • Reverse Freedom Mortgage is a Utah owned and operated company headquartered in West Jordan, Utah. Our name says it all – since 2008 our only line of business is Reverse Mortgages. We are passionate about these products and about our clients who benefit from the programs we utilize to help secure a stronger retirement plan.

  • Secure Mortgage LLC
  • 8537 South Redwood Rd, Suite B, West Jordan, UT, 84088
  • We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you.

  • 1st Source Funding, Inc
  • 8537 S Redwood Road, Suite A-3, West Jordan, UT, 84088
  • We provide quality real estate financing. With a proven track record of success in conventional and government loans, we have become one of the fastest growing full-service Mortgage Broker in the State of Utah. Our loan specialists are serious about customer service & go above & beyond to provide personal & attentive service our clients deserve.

  • Do Hard Money
  • 8846 South Redwood Road, #C212, West Jordan, UT, 84088
  • "DoHardMoney provides financing for Real Estate Investors, including new investors. Our funding options can be used for single family residence fix and flip investments, as well as home refinances.

    We fund loans within 5-14 business days, and we offer loans for up to 8 months with no payments for up to 6 months. "

  • Financial Horizons Credit Union
  • 895 E Street, Hawthorne, NV, 89415
  • We've been community leaders since 1947. Our original mission was to serve individuals affiliated with the Naval Ammunition Depot in Hawthorne. Since then, we've expanded to serve residents of several rural Nevada counties. We're proud of our growth. And proud that you trust us with your financial health.

  • Mountain America Credit Union
  • PO Box 2331, Sandy, UT, 84091
  • Mountain America Credit Union is a member-owned, full-service financial institution. Federally insured by NCUA. Equal Housing LenderCredit Union assists members on the right path to help them identify and more than 990, 000 members and $13 billion in assets, Mountain America Credit Union assists members on the right path to help them identify.