What are FHA Loan Limits in Arizona?

FHA loans are a low down payment mortgage program and Arizona FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Arizona vary across the state with less than half of it’s counties set at the floor amount of $275,665 while other, higher-cost areas have maximum FHA limits of up to $362,250.

Arizona FHA Loan Limits Search:

County Name
COCHISESIERRA VISTA-DOUGLAS, AZ$331,760$424,800$513,450$638,100
COCONINOFLAGSTAFF, AZ$362,250$463,750$560,550$696,650
GILAPAYSON, AZ$331,760$424,800$513,450$638,100
GRAHAMSAFFORD, AZ$331,760$424,800$513,450$638,100
LA PAZNON-METRO$331,760$424,800$513,450$638,100
MARICOPAPHOENIX-MESA-CHANDLER, AZ$331,760$424,800$513,450$638,100
MOHAVELAKE HAVASU CITY-KINGMAN, AZ$331,760$424,800$513,450$638,100
NAVAJOSHOW LOW, AZ$331,760$424,800$513,450$638,100
PIMATUCSON, AZ$331,760$424,800$513,450$638,100
PINALPHOENIX-MESA-CHANDLER, AZ$331,760$424,800$513,450$638,100
SANTA CRUZNOGALES, AZ$331,760$424,800$513,450$638,100
YAVAPAIPRESCOTT VALLEY-PRESCOTT, AZ$331,760$424,800$513,450$638,100
YUMAYUMA, AZ$331,760$424,800$513,450$638,100

Arizona FHA loan limits can change at any time. Check back often to ensure accurate information.

How are Arizona FHA Limits Set?

Arizona FHA Loan LimitsMortgage limits for Arizona FHA loans are based on median housing prices for the particular county and Metropolitan Statistical Area (MSA). More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low cost areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

AZ FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in AZ is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in AZ is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Arizona FHA loan limits set above the floor of $275,665 in Phoenix, Flagstaff, Mesa, Tucson, Prescott, Scottsdale, and Lake Havasu. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources


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