2026 loan limits in Yavapai County, Arizona
In Yavapai County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Yavapai County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Yavapai County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Yavapai County?
$541,287 for a one-unit home.
More for Yavapai County
Yavapai County property taxesFHA loan limits toolArizona closing costsBlack Canyon City 85324 market dataCamp Verde 86322 market dataChino Valley 86323 market dataClarkdale 86324 market dataCongress 85332 market dataCornville 86325 market dataCottonwood 86326 market dataCrown King 86343 market dataDewey 86327 market dataHumboldt 86329 market data
2026 limits from HUD’s county files (Prescott Valley-Prescott, Az). Conforming limits are set by the Federal Housing Finance Agency.