Yuma FHA Loans3.5% Down in America's Sunniest City
Own your Yuma home with just 3.5% down. FHA makes Southwest Arizona's affordable housing even more accessible.
Why Choose Yuma?
Yuma FHA Loan Benefits
Low 3.5% Down Payment
Just $10,500 on a $300K Yuma home. Gift funds allowed.
Credit Score from 580
More flexible credit than conventional loans.
Higher DTI Allowed
Up to 50% debt-to-income with compensating factors.
Seller Concessions
Sellers can pay up to 6% of closing costs.
Sunniest City
America's sunniest city with affordable housing.
Military Community
Near MCAS Yuma and Yuma Proving Ground.
Yuma Neighborhoods
Foothills
Newer developments with modern amenities.
Mesa Verde
Family-friendly with good schools.
Downtown Yuma
Historic area with character homes.
Cocopah
Near golf courses and amenities.
Fortuna
Growing community with new construction.
South Yuma
Affordable options for first-time buyers.
Yuma FHA Success Stories
"First-time buyers with 600 credit. FHA was perfect for us. Emmett made everything simple!"
"Military spouse buying while husband deployed. Emmett handled everything. We love our Yuma home!"
"Single dad, modest income. FHA got me into a great home. Thanks Emmett!"
Yuma FHA Loan FAQs
What is the FHA loan limit in Yuma for 2026?
The 2026 FHA loan limit in Yuma and Yuma County is $524,225 for single-family homes. This covers virtually all Yuma properties with just 3.5% down.
What credit score for Yuma FHA loan?
FHA accepts credit scores as low as 580 with 3.5% down, or 500-579 with 10% down. Most Yuma lenders prefer 580+ for lowest down payment.
How much is FHA down payment in Yuma?
With median prices around $300K, a 3.5% FHA down payment is approximately $10,500. Gift funds from family are allowed.
Is Yuma good for first-time buyers?
Yes! Yuma offers Arizona's sunniest climate, affordable housing, military base employment, and agricultural economy. FHA makes entry even easier.
Ready for Sunny Yuma Living?
Get FHA pre-approved today. America's sunniest city awaits.
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Why Contact Emmett?
- ✓ Local Yuma market expertise
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