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First-time home buyer programs in New Kingman-Butler, AZ

Quick answer

First-time buyers in New Kingman-Butler, AZ can use 3%-down conventional loans (up to the $832,750 Mohave County conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $100,500 median home, 3% down is about $3,015 and the estimated payment is $844/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $42,604; value-to-income ratio 2.36. New Kingman-Butler ranks 67 by home value and 54 by population among 68 places in our AZ dataset.

What does a first-time buyer loan cost on a typical New Kingman-Butler home?

ItemNew Kingman-Butler
Median home value (Census ACS)$100,500
Arizona median home value$358,900
Down payment (3%)$3,015
Loan amount$97,485
Estimated monthly payment (PITI + MI)$844
Income needed (28% / 36%)$37,000 / $29,000
Mohave County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Arizona's 0.52% effective property tax rate (Census ACS), $1,194/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in New Kingman-Butler?

New Kingman-Butler is in Mohave County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The New Kingman-Butler median home value of $100,500 is 72% below the Arizona median, and within what the county limit supports.

Which down payment assistance programs can New Kingman-Butler buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

First-time buyer loans in nearby cities

KingmanBullhead CityFort MohaveLake Havasu CityChino ValleyPrescott

First-time buyer loan FAQs for New Kingman-Butler

On the $100,500 median: 3% conventional ≈ $3,015, 3.5% FHA ≈ $3,518, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Mohave County become jumbo loans.

At the $100,500 median value (below the Arizona median of $358,900), the estimated payment of $844/month at 7.18% needs about $37,000 a year under the 28% housing guideline, or $29,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.