In 2026, 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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| Loan Type | Loan Limit | Down payment |
| USDA | $311,800 | 0% |
| FHA | $389,850 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
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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