VA loans in Yuma.
The Yuma County figure on this page is a county reference only, not an address-based lookup for Yuma. Confirm the property's county, and which local offices serve the address, before relying on it.
Yuma County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Yuma County (FIPS 04027)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Yuma County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Yuma. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionYuma: no occupancy until the Certificate of Occupancy is issued
The City of Yuma's Building Safety Division says most new construction, remodel, electrical, mechanical and plumbing work needs a permit and inspections, while fencing, painting and minor repairs generally do not. Residential reviews typically take 5 work days. Inspection requests received before 3 p.m. are scheduled for the next business day.
All work must be inspected before it is covered. When all required inspections are approved, the building official issues a Certificate of Occupancy, and no building may be occupied until then. Practical step: for a new or substantially remodeled Yuma home, confirm the Certificate of Occupancy has been issued before closing. Applications through the online Development Portal generally do not need the separate paper form.
Yuma County's legal calendar: exemption, senior freeze and appeal windows
The Yuma County Assessor's legal calendar lists January 1 as the valuation and lien date. The exemption filing period for widows, widowers and disabled persons runs from the first working day in January to March 1. The Senior Property Valuation Protection (senior freeze) filing period runs through September 1.
Notice of Valuation cards are mailed by March 1, and appeals must be filed within 60 days of mailing, with the exact deadline printed on the card. Taxes are due October 1, and the first half becomes late after November 1. Practical step: add these dates to your calendar after closing. The calendar lists December 31 as the last day to pay in a single installment.
- FHFA — Conforming loan limit values
- City of Yuma — Building Permits
- Yuma County Assessor — Legal Calendar
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in AZ.
$0 down in Yuma. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of AZ veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Yuma, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Yuma purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Yuma — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Yuma is Yuma County (FIPS 04027), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Yuma with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Yuma — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.