FHA Loans in Yuma, AZ

Buying a home in Yuma doesn't require a massive down payment. An FHA loan is perfect for Yuma residents with credit scores starting at 580.

Real Estate in Yuma, Arizona

Market Insights for Yuma Buyers

Yuma is the sunniest city on earth and a major agricultural hub. It offers a stable housing market with strong demand from military families (MCAS Yuma) and retirees.

We provide service across the entire Yuma area, including zip codes: 85364, 85365, 85367.

Neighborhood Focus: Yuma

With MCAS Yuma nearby, **VA loans** are incredibly common here. We specialize in helping military families buy in areas like **The Foothills** and **Yuma Meadows**.

The Foothills Yuma Meadows Barkley Ranch Mesa Del Sol

Down Payment Assistance (DPA) in Yuma

You may qualify for grants to cover your down payment! Homebuyers in Yuma may be eligible for programs like: Home Plus.

Don't miss out on free money! See the full requirements in our Arizona DPA Guide.

Why Get a FHA Loan with a Local Lender?

Choosing a local expert matters. Our team provides highly competitive rates and deep knowledge of the local appraisal environment in Yuma.

  • Key Benefit: Low 3.5% down payment and flexible credit guidelines.
  • Property Tax Insight: The estimated property tax rate in your area is 0.88%. This helps accurately calculate your monthly payment (PITI).

Frequently Asked Questions in Yuma

What is the conforming loan limit in Yuma?

For 2025, the standard conforming loan limit for Yuma is $766,550. Loans above this amount typically require Jumbo financing.

Are there down payment assistance programs available?

Yes! Homebuyers in Yuma may be eligible for programs like Home Plus. Check your eligibility here.

What credit score do I need to buy a house in Yuma?

It depends on the loan program. Generally, FHA loans allow scores as low as 580, while Conventional loans typically require 620+. For Jumbo loans in luxury areas, a score of 700+ is often needed.

Rate Quote: Yuma

See how much you can save or qualify for. We offer free, no-obligation quotes for FHA Loans in the Yuma area.

Apply for a FHA Loan

Or call Jonathan directly:
+14803825832

Yuma Market Data

  • Median Price $315,000
  • Conforming Limit $766,550
  • Property Tax (Est) 0.88%
Tip: This area is excellent for low-down-payment FHA and Conventional loans.

Get Your Yuma Rate Quote

Jonathan Moses

Your Loan Expert

Jonathan Moses

NMLS #2064741

Premier Partner
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