2026 FHA loan limits in Arizona
FHA limits are set by county each year. For 2026, the one-unit limit in Maricopa County is $557,750. Most other Arizona counties use the national floor of $541,287. Greg confirms the current limit for the county you're buying in.
FHA requirements
- Minimum 3.5% down with a 580+ credit score (10% down for scores of 500–579)
- Steady income and a debt-to-income ratio that fits FHA guidelines
- The home must be your primary residence and meet FHA property standards
- Upfront and annual mortgage insurance premiums (MIP)
FHA for condos and new construction
Condos must be in an FHA-approved project or qualify through single-unit approval, which matters in places like Tempe and central Phoenix. FHA one-time close construction loans are also available for building a new home.
When conventional might be better
With a strong credit score or 5% or more down, a conventional loan can cost less over time, because its mortgage insurance can be removed. Greg prices both so you can compare the real monthly payment and cash to close.
Frequently asked questions
Can I use FHA with Arizona down payment assistance?
Yes. Home Plus assistance can be paired with an FHA first mortgage for qualifying buyers.
Is FHA only for first-time buyers?
No. Anyone who meets the requirements and will live in the home can use FHA.
Can I remove FHA mortgage insurance?
With less than 10% down, FHA mortgage insurance typically lasts for the life of the loan. Many borrowers later refinance into a conventional loan to remove it once they have enough equity.
Information is general and current as of November 2026. Program availability, terms, and limits change; Greg confirms what applies to you.