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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

$479,000
3 Beds ⋅ 3 Baths ⋅ 7075389 MLS ⋅ 1,921 SqFt.
Beautiful Corner-Unit Townhome in Prime Gilbert Location! Enjoy resort-style community amenities including, gated community, three community pools and spas, lakes with waling paths. Conveniently located near SanTan Village, shopping, entertainment, dining including North Italia, Flower Child, and The Backyard. This spacious and well-appointed home offers the added privacy of only one shared wall, a 2-car garage, abundant natural light, a warm neutral color palette, and modern finishes throughout. The main level features tile flooring throughout and a beautifully designed kitchen with white cabinetry, crown molding, granite countertops, pendant lighting, stainless steel appliances, and a spacious walk-in pantry. A convenient half bath completes the downstairs living area. Upstairs, the generous primary suite features a large walk-in closet and ensuite bath with dual sinks and a glass-enclosed shower. The loft has been thoughtfully converted into a private office or flex space with French doors. A great opportunity to enjoy the comfort and convenience of Gilbert living in a desirable location.

1825 E Hampton Lane Unit 111, Gilbert
$485,000
3 Beds ⋅ 3 Baths ⋅ 7075319 MLS ⋅ 1,586 SqFt.
Waterfront townhome in the highly sought-after gated community of Echelon at Ocotillo! Built in 2022 & ideally located within the community, this home offers 3 bedrooms plus a loft, 2.5 baths & an open-concept floor plan. Gourmet kitchen features stainless steel appliances, gas range, quartz countertops, walk-in pantry & large island/breakfast bar. Enjoy a private courtyard with water views, 2-car garage plus driveway parking, new water softener & new Ring doorbell. Echelon Resort-style amenities include heated pool & spa, picnic area with ramada & grills. Access to Ocotillo community amenities...tennis courts and pickleball. Walking gate access to 90-acre Snedigar Sportsplex with baseball/softball/soccer fields, playgrounds, dog park and picnic pavilions.

4077 S Sabrina Drive Unit 12, Chandler
$334,900
2 Beds ⋅ 2 Baths ⋅ 7075274 MLS ⋅ 1,258 SqFt.
This property is eligible under the Freddie Mac First Look Initiative through 10.03.2026. During the First Look period, only offers from owner-occupant buyers, approved nonprofit organizations, and public entities will be considered. Investor offers will be considered after the First Look period expires.

440 S Val Vista Drive Unit 80, Mesa
$299,900
2 Beds ⋅ 2 Baths ⋅ 7075150 MLS ⋅ 1,093 SqFt.
Enjoy the best of Tempe living from a peaceful, tree-lined community that keeps you close to the action without feeling right in the middle of it. With quick access to major freeways, shopping, dining, ASU, Tempe Town Lake, Mill Avenue, Kiwanis Park, Arizona Mills, LEGOLAND Discovery Center, and SEA LIFE Arizona Aquarium, this location makes it easy to get around and enjoy everything the city has to offer. Local favorites such as Aunt Chilada's and Rustler's Rooste are nearby, along with plenty of everyday restaurants, coffee shops, and shopping along the Baseline corridor. Inside, vaulted ceilings and abundant natural light create an open, comfortable feel, while the living room is anchored by a cozy fireplace and flows easily into the dining and kitchen areas. Tile flooring throughout the main living spaces adds to the easy-care lifestyle. The kitchen was beautifully updated in January 2024 and is one of the highlights of the home. Light stone-look countertops with subtle gray detailing provide a clean, updated finish and extend into a breakfast bar with additional counter seating. Warm cream cabinetry is accented by distinctive custom carved walnut hardware, while a deep undermount stainless-steel sink, modern high-arc faucet, newer appliances, and dedicated task lighting complete the space. A warm wood accent wall and open display shelving add character and create an inviting transition between the kitchen and dining area. The spacious primary suite provides plenty of room to unwind and offers direct access to one of the home's private outdoor areas. In total, three private patios give you multiple spaces for morning coffee, outdoor dining, plants, or simply relaxing in the shade. The community offers a sparkling pool and spa without the maintenance of having one yourself, along with mature landscaping and an HOA that includes water and exterior maintenance. A brand-new roof adds additional peace of mind. With an attached garage, updated kitchen, vaulted ceilings, fireplace, three private patios, community pool and spa, and a central Tempe location close to shopping, restaurants, recreation, and major freeways, this home offers an easy Arizona lifestyle in a location that's hard to beat.

1222 W Baseline Road Unit 153, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7075107 MLS ⋅ 1,049 SqFt.
Park like setting for this 2-bedroom, 2-bathroom home that is ready for its next chapter. The open floor plan and vaulted ceilings provide a spacious feel, while the large kitchen offers plenty of room to cook and chat with guests in the living room. This home offers the perfect opportunity to add your own personal updates. Plus, you will love the active 55+ neighborhood amenities, including the heated pool and clubhouse.

542 S Higley Road Unit 30, Mesa
$430,000
3 Beds ⋅ 3 Baths ⋅ 7075028 MLS ⋅ 2,180 SqFt.
LOWEST PRICE PER SQFT IN ENCANTERRA! The moment you enter the prestigious Encanterra community, you'll feel right at home. This stunning residence features 3 BD 3 full BA, The primary suite and an additional bd are conveniently located on the main level. Upstairs features additional bd, a den, and a spacious loft, making it the perfect setup for out-of-state guests and visiting family. The kitchen is a true chef's dream, high-end granite countertops, upgraded backsplash, stainless steel appliances, gas cooktop, and a large center island perfect for everyday living and entertaining. The open-concept design flows seamlessly into the great room, creating an ideal space for gatherings. Step outside to a charming patio with a cozy fire pit, The exterior painted in Fall 2025. Be impressed!

756 E Verde Boulevard, Queen Creek
$455,000
3 Beds ⋅ 3 Baths ⋅ 7074914 MLS ⋅ 1,701 SqFt.
Modern newly built 3-bedroom, 3-bath townhome in Gilbert, Arizona, located in the gated Mosaic at Layton Lakes community. This upgraded two-story home features an open-concept great room, spacious kitchen with granite countertops, ample cabinetry and generous prep space, tile flooring throughout the main living areas, comfortable carpeted bedrooms and a private balcony. The attached two-car garage provides parking and storage. Mosaic at Layton Lakes features just 87 townhomes with resort-style amenities including a community pool and spa, clubhouse, playground, BBQ grills and walking paths. Enjoy low-maintenance living within the desirable Layton Lakes master-planned community near Gilbert shopping, dining, parks, recreation and major roadways.

746 E Doral Avenue Unit Unit 201, Gilbert
$320,000
2 Beds ⋅ 2 Baths ⋅ 7074842 MLS ⋅ 1,287 SqFt.
Introducing this charming 2-bedroom townhome now for sale in Landings Community! Inside, find a large living & dining room enhanced by a cozy fireplace, picture windows, and exposed beams on the vaulted ceilings, creating an inviting space for both everyday living and entertaining. The kitchen offers matching appliances, plenty of cabinetry, plantation shutters, recessed lighting, and a handy pantry. Discover a sizable main bedroom, featuring plush carpet, a walk-in closet, and a private bathroom with a glass block shower. As an added bonus, a washer and dryer are included. Enjoy scenic lake views from the relaxing covered patio. You'll also have access to fantastic Community amenities that add even more value and enjoyment to your lifestyle. This move-in ready gem is the one for you!

2256 W Lindner Avenue Unit 28, Mesa
$404,900
3 Beds ⋅ 3 Baths ⋅ 7074503 MLS ⋅ 1,594 SqFt.
Pride of Ownership that Shows! This 3 bed, 2.5 bathroom Townhome is in a Prime Chandler location with easy access to the 202 freeway, shopping, and dining. This home also is close to Chandler Gilbert Community College, a short distance to downtown Chandler and downtown Gilbert as well as the Gilbert farmers market. Inside the home you will enjoy large-format neutral brown tile set on a diagonal pattern, a spacious family room with wood accent wall, and a large picture window overlooking the covered patio and grass common area. The kitchen features warm Maple Cabinets, SS appliances, Granite Countertops, and travertine backsplash. Upstairs opens to a spacious loft & split bedroom floor plan. The Primary suite features a walk-in closet and a full bath w/ extended vanity... The secondary bedrooms are generously sized and have easy access to the upstairs full bath. Other features include water softener hookup, R.O system under the kitchen sink, 2 car garage, indoor laundry, and community amenities such as a pool, spa, BBQ area, and playground. Residents also have easy access to Arbuckle Park, which offers pickleball, basketball, and large playground.

2600 E Springfield Place Unit 89, Chandler
$299,999
2 Beds ⋅ 3 Baths ⋅ 7074459 MLS ⋅ 1,152 SqFt.
Welcome to this gorgeous, move-in-ready 2-bedroom, 2.5-bath townhome nestled in a quiet, gated community. Enjoy resort-style living with access to a heated community pool, clubhouse, fitness center, playgrounds, and beautifully maintained common areas. The interior features tile flooring, custom accent paint, and 2'' blinds throughout. The eat-in kitchen boasts granite countertops, a breakfast bar, raised panel cabinets, smooth-top range, and a built-in microwave--perfect for dining and entertaining. Additional highlights include: a spacious laundry room, dual walk-in closets in the primary suite, a covered patio with an extended concrete pad for outdoor enjoyment, and 2 assigned parking spaces! This home offers comfort, style, and convenience all in one package!

7726 E Baseline Road Unit 154, Mesa
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