USDA and FHA Pro and Con in Willcox, Cochise County, AZ

In 2026, the USDA loan cap for Willcox, within Cochise, AZ, is $336,500. The FHA limit for a single-family home is set at $472,030.

Use the Lendersa® USDA loan calculator to evaluate today's USDA versus FHA rates. Determine the income, credit score, reserves, and documentation needed for eligibility. Our comprehensive mortgage calculator allows you to juxtapose USDA, FHA, Conforming, and VA programs, ensuring the optimal choice for your financial needs in Alabama.

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2026 Loan Limits and Down Payment Requirements in Willcox, Cochise, AZ

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

Exploring USDA and FHA Loan Options in Willcox, AZ

Lendersa® seeks to swiftly connect you with the best USDA or FHA loan available, hassle-free. Select one of three initial paths to match with lenders and relevant USDA loan programs.

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Understanding USDA Loans in AZ

A USDA home loan, guaranteed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is provided exclusively in rural areas. Unlike FHA loans, which necessitate a 3.5% down payment, USDA loans require no down payment, presenting considerable savings for eligible applicants.

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



  • Baptist Credit Union
  • 5815 West Interstate 10, San Antonio, TX, 78201
  • Baptist Credit Union was chartered in 1955 as Memorial Hospital Employees Federal Credit Union by employees of the Baptist Memorial Hospital System of San Antonio, Texas. The credit union served that field-of-membership exclusively for 25 years. In 1982, the name was changed to Health Professions Federal Credit Union.

  • The Haviland State Bank
  • 209 North Main Street, Haviland, KS, 67059
  • Haviland State Bank opened in 1903 by George Lemon of Pratt. The First directors of the bank were founder George Lemon, President; Otto H. Bock, Secretary and Cashier; H.A. Barbee, a cattleman near Pratt; R.D. Woodward, and L.J. Woodward of Haviland.

    When HSB first opened in 1903 the money was not kept in the bank.

  • Firstmark Credit Union
  • 2023 Gold Canyon Drive, San Antonio, TX, 78232
  • In 1932, during the Great Depression, ten teachers agreed to establish a credit union to serve educators. San Antonio Teachers Credit Union (SATCU), the first state-chartered credit union in San Antonio, was born and proudly served members under that name for 70 years. In 2002, SATCU became Firstmark Credit Union.

  • Lone Star Capital Bank, National Association
  • 150 N Loop 1604 East, San Antonio, TX, 78232
  • Lone Star Capital Bank (LSCB) is headquartered in San Antonio, Texas. LSCB’s formation was completed when Clear Lake National Bank and Mission Bank merged into one, and the new bank began operations on June 1, 2003. On September 30, 2012, LSCB completed its acquisition of Cattleman’s National Bank, headquartered in Johnson City, Texas.

  • All About Texas Vet Loans
  • 211 N. Loop 1604 E, Suite 260, San Antonio, TX, 78232
  • We are a Mortgage Banking firm, not a Mortgage Broker. The biggest single difference is that Mortgage Banking firms lend their own money. Mortgage Brokers assemble your information, then go out on the open market and place your file in someone else’s hands. We never lose control of your file, because we never give your file to anyone else.

  • Megamerica Mortgage Group, INC
  • 17020 San Pedro, San Antonio, TX, 78232
  • Megamerica Mortgage Group, Inc. operates as a full service mortgage broker and correspondent lender. Megamerica was founded in 1994 by Ron Wakefield as a vehicle for mortgage brokers and loan officers to increase their profits by going into business for themselves, yet still having the benefits of a larger company.

  • MARQUEE MORTGAGE
  • 16410 Blanco Road, Suite 3, San Antonio, TX, 78232
  • Marquee Mortgage offer the best mortgage tools available on the Internet easy, convenient, on-line shopping for the best loan programs and most current rates available, together with the assistance of an experienced, "live" TRUSTED ADVISOR to guide you through the often difficult and confusing process.

  • Searchers Capital
  • 17890 Blanco Rd, Suite 309, San Antonio, TX, 78232
  • Searchers Capital was formed by a real estate investor for real estate investors.We provide value to investors in three ways: speed,certainty of execution & property consultation.The majority of our loans close very fast after the loan application is submitted.We also invest in properties in all of our markets ourselves so we can add value for you

  • REVOLUTION MORTGAGE
  • 13750 San Pedro, San Antonio, TX, 78232
  • Revolution Mortgage (NMLS #1686046) is a nationwide lender that offers lower rates and payments for refinancing and home purchase loans. We leverage technology to boost efficiencies in the loan process to give you a lower rate, faster closing, and a brand experience that's ridiculously amazing. Founded in Columbus, Ohio,

  • Pilgrim Mortgage
  • 1270 N. Loop 1604 E, Suite 100, San Antonio, TX, 78232
  • Pilgrim Mortgage is a full-service, residential mortgage bank founded in 2006 and headquartered in San Antonio, Texas. With superior talent, we offer a truly personalized mortgage lending experience tailored to meet your individual financial goals. Our mission is to match each of our clients with the right loan.

  • COMMUNITY BANK OF OKLAHOMA
  • 101 West Highway 62, Verden, OK, 73092
  • Our goal is to provide each of our customers with exceptional service, competitive rates and a personalized banking experience. Community Bank of Oklahoma offers a full range of services to suit your banking needs. We're here to serve you! On behalf of the officers & employees of Community Bank of Oklahoma.

  • First National Bank of Granbury
  • 101 E Bridge St, Granbury, TX, 76048
  • First National Bank was chartered in 1887 by Texas Pioneers Dan Cogdell, John Traylor, E.A. Hannaford, Jess Baker and James H. Doyle.

    While the early years of the Bank’s existence were economically prosperous for the area, the Great Depression and droughts of the 1930’s would soon have a negative impact on the community.