USDA Vs. FHA Pro and Con comparison in Sedona, Coconino County, AZ

In 2025, the USDA loan limit in Sedona, located in Coconino, AZ, is $311,800, while the FHA limit for a single-family home is $389,850.

Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates today. Determine the required income, credit, reserves, and documents. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting in selecting the best option for your needs in .

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2025 Loan Limits and Down Payment in Sedona, Coconino, AZ

Loan Type Loan Limit Down payment
USDA $311,800 0%
FHA $389,850 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Paths in Sedona, AZ

The aim of Lendersa® is to swiftly find the best USDA or FHA loan for you without hassle. Choose one of three initial approaches that align with lenders and USDA loan options.

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What is a USDA Loan in AZ?

A USDA home loan, backed by the Department of Agriculture, also called the USDA rural development loan or mortgage, is intended for rural areas. FHA loans require at least a 3.5% down payment, whereas USDA loans do not require any down payment.

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



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  • 1810 Buchholzer Boulevard, Akron, OH, 44310
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  • Goodyear Employees Credit Union
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  • 1424 Walton Way, Augusta, GA, 30901
  • In 1976, Health Center Credit Union (HCCU) was chartered by the Georgia Department of Banking and Finance. HCCU opened its first office in the Murphy Building at the Medical College of Georgia (Augusta). The second branch was opened in 1987 at St. Joseph Hospital (University Hospital Summerville) followed by branches at Augusta State University.
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  • First Neighborhood Bank is a strong, community-based bank headquartered in West Virginia. Since our beginnings more than 100 years ago,our goal has always been the same – to provide our customers with solid financial products paired with unbeatable customer service. Our team of skilled banking experts offer a full range of advanced lending products.
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  • St. Joseph’s Federal Credit Union was chartered on March 9th, 1942. 1942 marked the beginning of World War II and it was also the beginning of St. Joseph’s Federal Credit Union in January 1942. The nine members of St. Joseph’s Roman Catholic Parish in Canton, Ohio who chartered our credit union with Farm Credit Administration
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  • 3964 Fulton Drive NW, Canton, OH, 44718
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