USDA Vs. FHA Pro and Con 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.
Since 1998, the loan origination team at Essential Mortgage Company has been dedicated to providing a successful and stress-free transaction for every client. Professionalism and courtesy are our hallmarks, and the savings we pass along to our borrowers makes us unique among our competitors.
Chartered in 1972, UNO Federal Credit Union has served the University of New Orleans for over 45 years with pride. The support and commitment of this community has provided our credit union with the direction that has driven us to become the full-service financial institution that we are today.
Litchfield National Bank was organized in 1907 originally as a state bank known as First State & Savings Bank. On September 19, 1911, it was converted to a National Banking Association. Former bank presidents include M.M. Morrison, T.T. Lackey, Herb Herrick, Charles McBride and Leighton Wesley Cline.
The First National Bank of Litchfield is based in Litchfield, Illinois, a town located near I-55 midway between Springfield, Illinois and St. Louis, Missouri. Our bank has been at the same downtown location since 1860, when it was operated as a private bank until receiving its National Bank Charter in 1889.
At Quad City Bank & Trust, we are very proud of our continued commitment to building relationships with our clients and our Quad City community. We invite you to stop by any one of our five locations and experience Quad City Bank & Trust, where there are always People you can bank on.
Since 1935, R.I.A. Federal Credit Union has been investing in the communities we serve. We believe in improving the financial well-being of those who choose to bank with us and offer a suite of products and services designed to meet your financial goals. We provide our members with innovative financial solutions.
Northwest Bank & Trust Company has been a major contributor to the development of our community. Today, your hometown bank has the area’s longest continuous history of highly-trained, friendly professionals fulfilling its mission to create customer and shareholder value through product and service excellence
Ascentra Credit Union was established in 1950 & is a full service financial credit union. We strongly believe in our motto of listening, caring, doing what's right & reflect that in our service to our members & the surrounding communities. We put people before profits. Those profits then go back to you, in the form of lower interest rates on loans.
