USDA VS FHA 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.

Lendersa USDA loan request and matching results

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?



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  • Tidewater, we treat our employees like family. We believe in positive thinking and we take pride in each member of our team and clients. We’re always looking for participating in bigger, better opportunities to achieve all professional and personal goals. We also believe strongly in giving back to the community.
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  • At Weyco Community Credit Union is to improve the standard of living and the financial well-being of our members. We have proudly been serving our members in Plymouth, North Carolina, and the surrounding communities since 1959. As a member of WCCU, you are part owner, and you have a say in how we operate.
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