USDA Guaranteed Loans are the most popular rural development mortgage program in Arizona.  Along with no down payment requirement, USDA loans also don’t have a set maximum loan limit for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed USDA loans are variable, with the maximum income limit playing a large role.  Guaranteed Loan income limits across AZ are listed below.

Arizona USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Apache County, AZ$75,650$99,850
Flagstaff, AZ MSA$76,100$100,450
Gila County, AZ$75,650$99,850
Graham County, AZ$75,650$99,850
Greenlee County, AZ$75,650$99,850
La Paz County, AZ$75,650$99,850
Lake Havasu City-Kingman, AZ MSA$75,650$99,850
Navajo County, AZ$75,650$99,850
Phoenix-Mesa-Scottsdale, AZ MSA$76,600$101,100
Prescott, AZ MSA$75,650$99,850
Santa Cruz County, AZ$75,650$99,850
Sierra Vista-Douglas, AZ MSA$75,650$99,850
Tucson, AZ MSA$75,650$99,850
Yuma, AZ MSA$75,650$99,850
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