USDA and FHA Pro and Con in Wellton, Yuma County, AZ

For 2026, in Wellton, located in the county of Yuma, AZ, the USDA loan limit is set at $336,500, whereas the FHA loan limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate the current USDA versus FHA rates, and understand the income, credit, reserves, and necessary documents to qualify. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, aiding in choosing the most suitable program in for your financial needs.

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2026 Loan Limits and Downpayment Requirements in Wellton, Yuma, AZ

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

USDA and FHA Loan Opportunities in Wellton, AZ

The aim of Lendersa® is to secure you the most advantageous USDA or FHA loan swiftly and without complications. Choose one of three pathways that connect you with lenders and suitable USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in AZ

A USDA home loan, also known as a USDA mortgage or USDA rural development loan, is a government-backed loan offered by the Department of Agriculture. It is exclusively available for properties in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, no down payment is needed for USDA loans.

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



  • Finance USA Corporation
  • 7935 Galloping Circle, Windsor Mill, MD, 21244
  • "An agency with the Honesty and Integrity that comes with a Handshake"! Apply now. 1% down payments, purchase loans, refinance loans, FHA loans, and more. Licensed in Maryland. Also licensed for Title, Property & Casualty Life &health insurance, providing homeowners, landlord, renters, auto, business and even more insurance protection for you and f
  • Mortgage Affiliates Incorporated
  • 7000 Security Boulevard, Suite 110, Baltimore, MD, 21244
  • Mortgage Affiliates Inc. was established with the mission of creating extraordinary mortgage solutions. That mission continues to be a driving force through today. Mortgage Affiliates has always sought out the nation’s most creative and responsible lenders. Our financial products vary from simple to simply spectacular.
  • Securityplus Federal Credit Union
  • 7135 Windsor Boulevard, Windsor Mill, MD, 21244
  • Founded in 1938, our original charter was to serve the financial needs of employees of the Social Security Administration. Today we are one of the largest credit unions in the state of Maryland and provide financial services to meet the needs of more than 35, 000 members, with $390 million in assets, representing our core common sponsor groups.
  • NetFunding Corporation
  • 162 Budd Rd, Newark, NY, 14513
  • NetFunding Corporation's mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a home or refinancing a mortgage. So we make a commitment to you and will help you qualify, apply and be approved for the right mortgage loan for you.
  • Montoursville Area Federal Credit Union
  • 999 North Loyalsock Avenue, Suite A, Montoursville, PA, 17754
  • The Montoursville Area FCU is a member owned & operated, not for profit financial cooperative striving to meet the financial needs of its members. The mission of our credit union is to serve our members needs by providing competitive rates for savings and loans. We will seek to maintain the financial stability and steady growth of our organization.
  • First South Bank
  • 1311 Carolina Avenue, Washington, NC, 27889
  • Founded in 1902, First South Bank has served the eastern and central North Carolina market for over 100 years. We have grown to thirty-two (32) full-service branch offices from Durham to Buxton and Elizabeth City to Wilmington. Banking products and services have evolved, however, the Bank’s commitment to its community has never wavered
  • Local 520 U.A. Federal Credit Union
  • 7193 Jonestown Road, Harrisburg, PA, 17112
  • Local 520 UA Federal Credit Union We appreciate your business and look forward to servicing your every day needs. We are working to add more benefits to your Credit Union experience in the upcoming months. Stay tuned to our page and be sure to check out your statements and added mailers.
  • Kane Mortgage, Inc
  • 4755 Linglestown Road, Suite 205, Harrisburg, PA, 17112
  • Kane Mortgage, Inc. was founded in 2002 by Kane Smeltz. From the humble beginnings where Kane handled all of the various aspects of loan origination to loan closing himself, KMI has grown to a staff of nine. The KMI staff includes the Owner, four Mortgage Originators, two Processors, a Human Resource Manager and a Client Relations Specialist.
  • Police Federal Credit Union
  • 9100 Presidential Parkway, Upper Marlboro, MD, 20772
  • The Police Federal Credit Union, headquartered in the Washington, D.C. metropolitan area, is a full service, not-for-profit, financial institution that has been committed to protecting the financial interests of members of the law enforcement community and serving their financial needs since 1935.
  • Money One Federal Credit Union
  • 9800 Technology Way, Largo, MD, 20774
  • Money One Federal Credit Union is a not-for-profit, full service financial institution. We were formed in 1951 to promote wise financial responsibility and provide a source of low-cost credit. Money One is member owned and operated. Our only reason for existence is to help people do better financially.
  • Mortgage Experts
  • 9500 Medical Center Drive, Suite 102, Upper Marlboro, MD, 20774
  • The Mortgage Experts Team is your premier mortgage team located in Largo, Maryland. We pride ourselves on offering some of the lowest rates nationwide and make the loan process easy, straightforward and fast for borrowers seeking a mortgage in the Largo area. Whether you are first time home buyer, purchasing your dream home, refinancing.
  • Andrew Whearty Mortgage Lender
  • 500 Prince Georges Blvd, Upper Marlboro, MD, 20774
  • At NASA Federal Credit Union, we have great people creating and building a world-class organization in an ever-changing world. Our success as an organization is based on the vision, mission and values that guide us in how we do business every single day. Empowering people to achieve a brighter financial future is OUR MISSION.