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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

$435,000
3 Beds ⋅ 3 Baths ⋅ 7071256 MLS ⋅ 1,589 SqFt.
Fall in love with one of the few properties that offers a backyard w/patio at the Mosaic at Layton Lakes gated Community! Featuring 3 beds, 2 baths + powder room, and a 2-car garage w/built-in cabinets, epoxy flooring and hookup for EV. Inside, you'll find vaulted ceilings, abundant natural light, wood-look floors throughout, modern finishes and light fixtures. The Kitchen is a dream with globe style pendants over the island, ample white cabinetry, beautiful quartz countertops, SS appliances, subway-tile backsplash, an oversized farmhouse sink, water softener & breakfast bar. The primary bedroom includes an ensuite w/dual sinks, tiled shower, black hardware, plus a generous walk-in closet. The private backyard is complete w/artificial turf and a covered patio, ideal for relaxing or entertaining. Enjoy resort-style amenities including a community pool & spa, tennis courts, and scenic lakes. Move-in ready!

753 E Rojo Way Unit 102, Gilbert
$285,000
3 Beds ⋅ 2 Baths ⋅ 7071159 MLS ⋅ 2,103 SqFt.
Discover one of the largest townhomes available in Mesa's 85203. Less than 1 mile from light rail, downtown Mesa, & planned live/work neighborhood of Culdesac Mesa. This end unit features 3 bedrooms, 2 full baths, Arizona room, plus fenced outdoor area great for pets. The front of the home faces the lush greenbelt featuring a seasonal creek, tons of trees and plants, and is a phenomenal gather space for neighbors. Relax at the community pool or take you pup for fun at the HOA dog park. All of the major projects are done: new HVAC in 2020, new roof in 2020, new sewer lines in 2025, new water heater in 2021, and whole home water filtration system. All appliances included. Take advantage of below market rate financing with this assumable VA loan at 2.75% with $110,000 (approx) down payment.

520 N Hobson Plaza, Mesa
$210,000
2 Beds ⋅ 2 Baths ⋅ 7071014 MLS ⋅ 945 SqFt.
Welcome home to this beautifully updated 2-bedroom, 2-bath townhome in the gated community of Melody Villas! Step inside to a bright, open living space featuring updated wood-look flooring throughout and a spacious great-room layout. The kitchen has been refreshed with granite countertops, updated cabinetry, tile backsplash, stainless steel microwave, and a large breakfast bar offering plenty of additional counter space and seating. Both bedrooms are generously sized, and the primary suite includes its own private bath. Step outside to your enclosed private courtyard--perfect for relaxing, entertaining, or enjoying Arizona's beautiful weather. The community offers lush green common areas and community pools, all conveniently located near the light rail, shopping, dining, and everyday amenities. A move-in ready Mesa townhome with great updates, a private outdoor space, and an incredibly convenient location! Home is also listed and available for rent.

1310 S Pima -- Unit 35, Mesa
$305,000
2 Beds ⋅ 2 Baths ⋅ 7070959 MLS ⋅ 1,237 SqFt.
This Must See home has all new LVP flooring throughout in a beautiful neutral color. The kitchen has 'quartz looking'' counter tops. A newer stacked washer/dryer, refrigerator and Full HOUSE Water purification system included. The Garage is epoxy coated. These homes don't become available very often-unique locations situated in a 16-home enclave on a Cul de sac street. No adjoining living space walls (only a garage common wall), private yard with block fence & extended screened patio to enjoy the beautiful fall/winter weather! Access to community amenities, 2 Heated Pools and Spa Clubhouse and More. HOA covers Trash Pickup, Front Landscaping, water, building Maintenance, etc. Fresh & clean! Furnishings Available!!

321 N 65th, 2 Street, Mesa
$410,000
2 Beds ⋅ 3 Baths ⋅ 7070926 MLS ⋅ 1,369 SqFt.
MOVE IN READY. Nearly new , 2 bedroom, 2.5 bath home located in a beautiful maintained gated community. The home features a desirable & open floorplan showcasing modern upgrades & window treatments throughout. Corner unit for added privacy with only one shared wall. Two car tandem garage with EV station. Two private balconies which are ideal for relaxing or entertaining. Enjoy the resort style amenities this community offers which includes 3 pools, walking trails, playgrounds & tranquil lake. Conveniently located near shopping, medical facilities, restaurants & more with easy access to the 202 freeway. This property is perfect for primary residence, a winter retreat or for an investment.

1741 E Chelsea Lane, Gilbert
$465,000
2 Beds ⋅ 2 Baths ⋅ 7070847 MLS ⋅ 1,764 SqFt.
Welcome to this amazing Cantabria townhome in the heart of Ocotillo, ideally situated overlooking the Arcis-owned Ocotillo Golf Course with different levels of memberships available . This beautifully updated home features a gorgeous poolside view, spacious upgraded kitchen, beautiful primary suite with private ensuite, and two balconies perfect for relaxing and enjoying the views. Easy access to freeways, located along the scenic 4.5-mile loop around the Ocotillo Golf Course, you'll have an incredible selection of restaurants, coffee shops, shopping, and entertainment nearby. Enjoy easy access to pickleball and tennis courts within Ocotillo, along with golf and the resort-style lifestyle this sought-after community offers. This is Arizona living at it's best!

3800 S Cantabria Circle Unit 1107, Chandler
$274,500
3 Beds ⋅ 2 Baths ⋅ 7070833 MLS ⋅ 1,153 SqFt.
PRICE TO SELL, and MOVE IN READY! This lovely single-story, 3-bedroom, 2-bath townhome blends modern style with everyday functionality. The spacious living room opens to a large private back patio with a generous storage room and convenient access to the community pool--perfect for relaxing or entertaining. The kitchen features ample brand-new cabinetry and counter space, built-in appliances, and a seamless flow into the dining area. The primary bedroom offers a full walk-in closet and a spacious bathroom, which also provides convenient access to the back patio through a sliding glass door. Ideally located near Mesa Community College (MCC), shopping, dining, and major freeways, this townhome offers comfort, convenience, and an excellent location.

1051 S Dobson Road Unit 194, Mesa
$450,000
2 Beds ⋅ 2 Baths ⋅ 7070814 MLS ⋅ 1,397 SqFt.
Beautifully upgraded townhome featuring a brand-new roof and stylish finishes throughout! This inviting 2-bedroom home, each with their own en-suite bathroom, offers a low-maintenance lifestyle with all appliances included. Enjoy a beautifully maintained front yard cared for by the HOA, plus a private low-maintenance backyard perfect for relaxing or entertaining. Ideally located just steps from the community pool, this home combines comfort, convenience, and easy living!

716 N Jentilly Lane, Chandler
$349,900
3 Beds ⋅ 2 Baths ⋅ 7070809 MLS ⋅ 1,320 SqFt.
Prized single-level corner/end-unit location with picture-window views that look across an expansive, tree-lined greenbelt. Step outside to an unusually open and peaceful setting with broad lawns, mature shade trees and a sense of privacy rarely associated with townhouse living.This beautifully updated 3-bedroom, 2-bath home combines an unusually open and private setting with the ease of low-maintenance townhouse living. Thoughtful improvements include a new HVAC system (2024), new kitchen appliances (2025), new Pergo flooring and 3-inch baseboards throughout (2026), fresh interior paint (2026), and new recessed dual-position kitchen lighting (2026). The primary bath has been refreshed with a new countertop, mirror and lighting, while the secondary bath cabinetry has been refinished. Beyond the home itself, Park Riviera offers the combination that's increasingly difficult to find in the heart of the Valley: established surroundings, generous green space and low-maintenance living in an exceptionally convenient Tempe location. ASU, Sky Harbor International Airport, Old Town Scottsdale, Downtown Phoenix and Tempe Marketplace are all within easy reach, along with convenient access to the Valley's major freeways. Residents enjoy two community pools, walking paths and a playground, while HOA roof maintenance helps simplify ownership. Whether used as a full-time residence, seasonal retreat or convenient home base for someone frequently on the Kitchen cabinetry and countertops were previously updated, and a freshly painted front door adds to the homego, the emphasis here is on enjoying where you live rather than spending your weekends maintaining it. With the updating already done, there's little left to do but settle in and enjoy the home, the setting and everything this central Tempe location has to offer.

4806 S Birch Street, Tempe
$260,000
2 Beds ⋅ 2 Baths ⋅ 7070622 MLS ⋅ 1,403 SqFt.
Welcome to this charming, move-in ready home in Province, one of Maricopa's sought-after 55+ communities. This 2-bedroom, 2-bath home has a warm, inviting feel with fresh interior paint and newer flooring throughout. The kitchen features a beautiful cast iron sink, and the home has been thoughtfully updated and well cared for. Step outside to enjoy a beautifully landscaped backyard with mature ficus trees, planter boxes and a spacious pergola perfect for entertaining or relaxing with friends. One of the best features is the location! Situated just a short distance from the Province community center, you'll have easy access to the pool, fitness center, clubhouse and all the activities and amenities that make Province such a special place to live.

20674 N Licorice Lane, Maricopa
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