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We can help you get qualified for ANY AZ mortgage so you can buy a home including the several Down Payment Assistance Programs in AZ!   There are a few First Time Home Buyer Programs in AZ as well!! Which mortgage program is best for you?  What program will get you the best payment?  Are you looking for an FHA Loan, VA Loan, USDA Loan, Jumbo Loan or a Conventional Loan?  We're here to help get you the most up to date mortgage rates in Arizona with the best payment that fits your situation!

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FHA Limits Arizona 2020

It is important to know the Arizona FHA loan limits because they impact a variety of down payment assistance programs offered in Arizona. Many of the down payment assistant programs that are available in Arizona have maximum loan amounts that are higher than the FHA loan limits in the county where you are looking to buy your home. So, you are capped by the FHA limits. If that is the case, you will not be able to use an FHA loan to be qualified for the maximum loan amount available for the down payment assistance program you have chosen.

The current FHA loan limit in the majority of the counties in Arizona is $331,760 for a single family residence.  This is FHA’s loan limit floor which is 65% of the conforming loan limit. The Coconino County FHA loan limit is higher because it is considered a high-cost area.

FHA Limits Arizona – Larger Cities

The following information is for a single-family home and is based on the 2019 FHA limits for Arizona.

The FHA loan limit in Phoenix, AZ is $331,760.

The FHA loan limit in Tucson, AZ is $331,760.

The FHA loan limit is Mesa, AZ is $331,760.

The FHA loan limit in Chandler, AZ is $331,760.

The FHA loan limit in Scottsdale, AZ is $331,760.

The FHA loan limit in Glendale, AZ is $331,760.

The FHA loan limit in Gilbert, AZ is $331,760.

The FHA loan limit in Tempe, AZ is $331,760.

The FHA loan limit in Peoria, AZ is $331,760.

The FHA loan limit in Surprise, AZ is $331,760.

The FHA loan limit in Yuma, AZ is $331,760.

The FHA loan limit in San Tan Valley, AZ is $331,760.

The FHA loan limit in Avondale, AZ is $331,760.

The FHA loan limit in Goodyear, AZ is $331,760.

The FHA loan limit in Flagstaff, AZ is $362,250.

The FHA loan limit in Buckeye, AZ is $331,760.

The FHA loan limit in Casa Grande, AZ is $331,760.

The FHA loan limit in Lake Havasu City, AZ is $331,760.

The FHA loan limit in the city of Maricopa, AZ is $331,760.

The FHA loan limit in Sierra Vista, AZ is $331,760.

The FHA loan limit in Prescott Valley, AZ is $331,760.

The FHA loan limit in Prescott, AZ is $331,760.

The FHA loan limit in Apache Junction, AZ is $331,760.

The FHA loan limit in Queen Creek, AZ is $331,760.

The FHA loan limit in Kingman, AZ is $331,760.

The FHA loan limit in Anthem, AZ is $331,760.

The FHA loan limit in Nogales, AZ is $331,760.

The FHA loan limit in Payson, AZ is $331,760.

The FHA loan limit in Show Low, AZ is $331,760.

The FHA loan limit in Safford, AZ is $331,760.

Are you ready to buy a home in Arizona?  There are many down payment assistant programs available in Arizona that can be used with FHA financing.  Find out what is the best option for you.

HOMES WE CAN HELP YOU FINANCE

440 S Parkcrest -- Unit 118, Mesa
$259,900
2 Beds ⋅ 2 Baths ⋅ 7099047 MLS ⋅ 1,182 SqFt.
NEWLY REMODELED VILLA IN A WELL SOUGHT AFTER AGE RESTRICTED COMMUNITY. Renovation of this 2 bedroom, 2 bath home was recently completed earlier this year providing a complete wheel chair home. New ''plank style'' flooring tile throughout home provides easy rolling access for wheel chairs/walkers. New kitchen cabinets, quartz counters, tile backsplash, & recessed sink. New stainless steel kitchen appliances including built-in microwave, electric stove top, dishwasher, & side by side refrigerator. Primary & 2nd bath have flush threshold entrances into the showers, seating areas, strategically placed grab bars, extended height toilets & no shower doors to contend with. Popcorn ceiling is removed & fresh paint throughout condo. Heat pump & water heater installed in 2025. MOVE IN READY

440 S Parkcrest -- Unit 118, Mesa
4561 S Riata Street Unit 102, Gilbert
$500,000
3 Beds ⋅ 3 Baths ⋅ 7098869 MLS ⋅ 1,589 SqFt.
Discover this beautifully appointed townhome in the desirable gated community of Mosaic at Layton Lakes. Featuring 3 bedrooms, 2.5 bathrooms, and an open-concept floor plan, this townhome offers a perfect blend of modern style, comfort, and functionality. The inviting kitchen serves as the heart of the home, showcasing a spacious island, stainless steel appliances, a gas range, refrigerator, custom backsplash, designer finishes, and upgraded tile flooring. Enjoy added convenience with an upstairs laundry room complete with washer and dryer. Step outside to a finished backyard featuring low-maintenance turf and an irrigation system, along with a covered patio that creates the perfect setting for outdoor dining, relaxing, and entertaining. Residents enjoy access to all the exceptional amenities of Layton Lakes, plus the exclusive benefits of Mosaic's gated community, including a swimming pool, spa, play area, open lawn, and climbing structure. This townhome offers a wonderful combination of stylish upgrades, everyday convenience, and resort-style community living.

4561 S Riata Street Unit 102, Gilbert
2313 W Vineyard Road, Tempe
$255,000
2 Beds ⋅ 1 Baths ⋅ 7098399 MLS ⋅ 1,146 SqFt.
Updated townhouse in Tempe! This 2 bedroom, 1 Bath home is perfect for small family or student attending college. The front gated entryway leads you to the foyer with the large formal living room and kitchen with breakfast bar to the right, all with hardwood flooring! Enter into the sunken living/family room with carpet and sliding glass door that leads to the back patio. Down the hall is the full bathroom with tub/shower combo, next you will see the good size bedrooms with natural light. The low maintenance block fenced back yard offers covered patio for BBQ's and entertaining. The 2 car carport has storage shed and private residents only rear entry. As if this were not enough there is also a community pool for hot summers and family gatherings! Priced below market value for a quick sale

2313 W Vineyard Road, Tempe
744 W Harvard Drive, Tempe
$315,000
2 Beds ⋅ 2 Baths ⋅ 7098382 MLS ⋅ 1,120 SqFt.
Welcome to easy, low-maintenance living in the desirable Pepperwood community in the heart of Tempe! Tucked away on a quiet cul-de-sac with no homes directly behind, this well-maintained 2-bedroom, 2-bath townhome offers a wonderful combination of privacy, comfort and convenience. The inviting, functional layout features two skylights that fill the home with natural light, an updated primary bathroom, and a kitchen with select newer appliances. Step outside to a private backyard featuring a spacious covered patio, storage shed and low-maintenance landscaping in both the front and back, creating the perfect setting to relax and enjoy Arizona's beautiful weather without the upkeep. A private 2-car carport adds everyday convenience. Additional highlights include a roof updated in September 2026 and an HVAC system that has been serviced annually, reflecting pride of ownership and ongoing care. Enjoy nearby community amenities, including a heated pool, spa and RV/boat storage, with the pool and neighborhood school just a short distance away while maintaining comfortable separation. Ideally situated near Kiwanis Park, Arizona State University, shopping, dining and entertainment, with convenient access to US-60, Loop 101 and Loop 202 for easy travel throughout the Valley. Whether you're looking for a primary residence, seasonal retreat or investment opportunity, this Pepperwood townhome offers an appealing blend of location, privacy and easy Arizona living.

744 W Harvard Drive, Tempe
921 W University Drive Unit 1235, Mesa
$295,000
3 Beds ⋅ 2 Baths ⋅ 7098365 MLS ⋅ 1,196 SqFt.
Move in ready 3 bed- 2 bath townhome with the big updates done! Kitchen remodeled in 2020 with stainless steel appliances, newer AC, water heater, and baths lightly remodeled. Pella window in dining with transferrable lifetime warranty. Smart thermostat and switches, washer and dryer, vaulted ceilings, cozy fireplace, wood look floors, and sunny big kitchen window perfect for plants. Sliding door opens to private walled patio with newer back gate and storage room. Covered parking leads right to your front door, and the HOA covers all exterior components. Down payment assistance programs apply, make this a great fit for first time home buyers. Seller is motivated, so bring your offer!! Extra parking avail. small fee.

921 W University Drive Unit 1235, Mesa
1342 W Emerald Avenue Unit 391, Mesa
$289,900
2 Beds ⋅ 2 Baths ⋅ 7098304 MLS ⋅ 996 SqFt.
Charming Mesa single level townhome offering 2 bedrooms and 2 bathrooms. Bright and inviting living area with natural light, a functional kitchen, and a comfortable layout for everyday living. Enjoy your private courtyard/patio with a large shade tree, perfect for relaxing or enjoying Arizona evenings. Enjoy the community pool just across the parking lot from patio gate. Convenient location near Kleinman Park, Mesa Community College, shopping, dining, entertainment, and major roadways. With its central Mesa location this home is a wonderful opportunity. Come see the possibilities and make this inviting townhome your own!

1342 W Emerald Avenue Unit 391, Mesa
500 N Gila Springs Boulevard Unit 124, Chandler
$288,900
2 Beds ⋅ 2 Baths ⋅ 7097962 MLS ⋅ 920 SqFt.
Beautifully remodeled townhome in the desirable Tesuque at Gila Springs community! This inviting 2-bedroom, 1.5-bath residence offers approximately 920 square feet of thoughtfully designed living space, combining modern appeal with an excellent Chandler location. The spacious great room features soaring ceilings, abundant natural light, and a cozy fireplace, creating an open and welcoming atmosphere. The functional two-story floor plan provides comfortable living and entertaining areas downstairs, with both bedrooms conveniently located upstairs. As an end unit with no residences directly above or below, the property offers additional privacy and a distinctive townhome feel. Step outside to enjoy the covered patio with additional storage, perfect for relaxing or enjoying Arizona's beautiful weather. Assigned covered parking adds everyday convenience. Residents enjoy access to a community pool and spa, along with nearby lakes, parks, and walking paths throughout the Gila Springs area. Ideally situated near Chandler's major employment centers, including Intel, with convenient access to Loop 202, I-10, shopping, restaurants, and entertainment. This remodeled property presents an outstanding opportunity to enjoy updated living spaces, attractive community amenities, and a convenient East Valley location. Come experience everything this Chandler townhome has to offer!

500 N Gila Springs Boulevard Unit 124, Chandler
9841 E Gamma Avenue, Mesa
$349,900
3 Beds ⋅ 2 Baths ⋅ 7097929 MLS ⋅ 1,310 SqFt.
Affordable Eastmark living! End Unit Townhome built in 2022, this 3-bedroom, 2-bath townhome in Mesa offers modern living with a 2-car garage and a functional, comfortable layout. Located in the desirable Eastmark community, this home is a great opportunity for buyers looking for a newer home at an affordable price. Don't miss your chance to own a newer property in one of Mesa's popular communities!

9841 E Gamma Avenue, Mesa
539 N Lesueur --, Mesa
$289,975
3 Beds ⋅ 3 Baths ⋅ 7097416 MLS ⋅ 1,500 SqFt.
STUNNING! GORGEOUS! REMODELED! Fall in love with this beautifully remodeled 3-bedroom, 2.5-bath townhouse offering style, space, and comfort! The spacious great room features a picture window overlooking a grassy front area shaded by mature trees. The huge, updated kitchen boasts crisp white cabinetry, quartz countertops, and a walk-in pantry--perfect for cooking and entertaining! The generous dining room opens through French doors to a private backyard, creating the perfect setting for outdoor dining and gatherings. A charming remodeled half bath completes the downstairs. Upstairs, retreat to the spacious primary suite featuring two closets and a private balcony overlooking the lush, tree-lined grounds--a peaceful spot to enjoy your morning coffee or unwind at the end of the day.

539 N Lesueur --, Mesa
6818 S Jentilly Lane, Tempe
$299,900
3 Beds ⋅ 1 Baths ⋅ 7097383 MLS ⋅ 1,035 SqFt.
Fantastic Tempe location close to shopping and freeways! This move-in ready 3-bedroom townhome is the perfect rental opportunity, featuring a kitchen with granite countertops, an electric range, and detailed 18-inch tile. The main floor offers a bright family room with recessed lighting and an adjoining patio.

6818 S Jentilly Lane, Tempe
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Copyright 2026 Arizona Regional Multiple Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Arizona Regional Multiple Listing Service. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Arizona Regional Multiple Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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