USDA and FHA Pro and Con in Verde-Village, Yavapai County, AZ

For 2026, the USDA loan cap in Verde-Village, county of Yavapai, AZ, is $285,000, while the FHA limit for a single-family house is $356,362.

Use the Lendersa® USDA loan calculator to evaluate today’s USDA versus FHA best rates, identifying the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, helping decide which program is optimal for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Verde-Village, Yavapai, AZ

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Solutions in Verde-Village, AZ

Lendersa® aims to connect you with the best USDA or FHA loans efficiently and without hassle. Choose one of three starting points to match with lenders and USDA loan options.

Illustration of Lendersa USDA loan request and matches

Understanding USDA Loans in AZ

A USDA home loan, ensured by the Department of Agriculture and known as the USDA rural development loan or mortgage, is limited to rural areas. Unlike FHA loans needing at least a 3.5% down payment, the USDA mortgage requires none.

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



  • All Capital Solutions LLC
  • 40 Raisin Tree Circle, Pikesville, MD, 20208
  • We are a leading direct residential mortgage broker in Maryland. Our simple and effective approach speeds up the entire loan process and ensures our customers get the loan that best suits their individual needs at the most competitive rate. With over 15 years in the business and $400 Million in closed loans, we have the experience to help
  • Advantage Star Mortgage Corp
  • 14861 Meriwether Dr, Glenelg, MD, 21737
  • Advantage Star Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. and We offer a wide range of loan programs including: 30yr mortgage Conventional, Jumbo, VA and more
  • First Citizens Community Bank
  • 1163 South Main Street, Mansfield, PA, 16933
  • A simple philosophy can lead a company to great rewards. Treat your customers, your employees, and your communities with respect and you will earn their loyalty. Our strategy has never been about selling products, but instead about finding ways to make life more rewarding for our customers and employees.
  • Fannie Mae
  • 1100 15th Street NW, Washington, DC, 20005
  • Fannie Mae serves the people who house America. We are a leading source of financing for mortgage lenders, providing access to affordable mortgage financing in all markets at all times. Our financing makes sustainable homeownership and workforce rental housing a reality for millions of Americans. We also help make possible the popular 30-year, fixe
  • Americhoice Federal Credit Union
  • 2175 Bumble Bee Hollow Rd, Mechanicsburg, PA, 17055
  • AmeriChoice Federal Credit Union was founded in 1970 by a small group of IBM Corporation employees. Through the years, we’ve grown by extending eligibility to the South Central PA Community including Adams, Cumberland, Dauphin, Lebanon, Perry or York Counties. Today, we are more than 15, 000 members strong with assets exceeding $180 million.
  • Allcredit Home Loans, Inc
  • 228 Baltimore Street, Hanover, PA, 17331
  • We offer many low & NO down payment financing options.And in many cases the seller can pay part or all of your closing costs so you can purchase a home with not a lot of money.All Credit Home Loans Inc is located in Hanover, PA, USA & is part of the Activities Related to Credit Intermediation Industry. All Credit Home Loans Inc has 2 total employee
  • Affordable Home Mortgage, Inc.
  • 300 Baltimore Street, Hanover, PA, 17331
  • Affordable Home Mortgage, Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Phi Beta Sigma Federal Credit
  • 145 Kennedy Street NW, Washington, DC, 20011
  • PBSFCU is a full-service financial services provider, serving Sigmas, Zetas and their families internationally. While it is similar to a bank in terms of the services it provides, it is philosophically different in operation. PBSFCU is a full-service financial services provider, serving Sigmas, Zetas and their families internationally.
  • Industrial Bank
  • 4812 Georgia Avenue NW, Washington, DC, 20011
  • "Founded on August 20, 1934, Industrial Bank is the oldest and largest African American owned commercial bank in the metropolitan Washington region. Since 1934, the bank has delivered essential banking and financial services that have contributed greatly to the growth and development of the Washington, D.C. community.
  • Howard University Employees Federal Credit Union
  • 525 Bryant Street NW, Room C-102, Washington, DC, 20059
  • Howard University Employees Federal Credit Union was chartered in Washington, DC on October 11, 1935, the same year that the Federal Credit Union Act became law. Thanks to the courage and foresight of eleven charter members, our credit union was formed with the common bond to serve employees of Howard University and members of their families.
  • Advantage Financial Federal Credit Union
  • 1319 F Street NW, Suite 500, Washington, DC, 20004
  • Advantage Financial Federal Credit Union Our Credit Union was originally chartered in 1932 by a small group of Veterans Administration employees. They were dedicated to building a financial institution that would provide outstanding financial services...at the lowest possible cost
  • Verus Mortgage Capital
  • 1155F ST NW, Suite 1075, Washington, DC, 20004
  • Verus is a mortgage investor filling the credit void in today’s mortgage market. Verus acquires responsible non-agency mortgage loans from correspondents. Acquisition programs are designed to address the issues limiting a borrowers’ access to credit through common sense underwriting. All programs focus on the borrowers’ ability to repay.