USDA Vs. FHA your options comparison in Yuma, Yuma County, AZ
In 2026, the USDA loan limit for Yuma, within the county of Yuma, AZ, is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to contrast today's optimal USDA versus FHA rates. Determine the necessary income, credit score, reserves, and documents required to qualify. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you decide which option in suits your financial needs best.
2026 Loan Limits and Downpayment Requirements in Yuma, 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 Options in Yuma, AZ
The aim of Lendersa® is to quickly secure the best USDA or FHA loan for you without any hassle. Choose one of three starting points to connect with lenders and USDA loan programs that fit your needs.
The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require none, making them an ideal option for qualified rural borrowers.
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