What credit score for Somerton FHA loan?

FHA accepts credit scores as low as 580 with 3.5% down, or 500-579 with 10% down.

Serving Somerton & Yuma County

Somerton FHA Loans3.5% Down Affordable Living

Own your Somerton home with just 3.5% down. FHA makes Arizona's most affordable housing even more accessible.

Just $8,750 on a $250K Somerton home. Gift funds allowed.

More flexible credit than conventional loans.

Up to 50% debt-to-income with compensating factors.

Sellers can pay up to 6% of closing costs.

Somerton's low prices mean tiny down payments.

Just 15 minutes from Yuma amenities and employment.

"First-time buyers with 590 credit. FHA was perfect for us. Emmett made everything simple!"

The Garcia Family

Somerton

"$8,000 down got me my first home. FHA is amazing for affordable Arizona!"

Maria R.

Somerton

The 2026 FHA loan limit in Somerton and Yuma County is $524,225 for single-family homes. This covers all Somerton properties with just 3.5% down.

Somerton offers some of Arizona's most affordable housing with median prices around $250K, making FHA down payments very low.

With median prices around $250K, a 3.5% FHA down payment is approximately $8,750. Gift funds allowed.

Get FHA pre-approved today. Your affordable Arizona home awaits.

Serving Somerton, Arizona

Connect with Emmett directly. Quick response, personalized guidance for your Somerton home purchase.

Available 7 days a week