Flexible qualifying
FHA loans for Arizona homebuyers.
FHA loans are insured by the Federal Housing Administration and are built for buyers whose credit history or savings don't fit a conventional loan yet. Marketline compares FHA options from several lenders, explains the mortgage insurance in plain language, and helps you decide whether FHA or another program is the better fit.
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Why buyers choose FHA
- More flexible credit and debt-to-income guidelines than many conventional loans.
- A low down payment option for qualifying borrowers.
- Gift funds from family can go toward eligible costs.
- Can be combined with Arizona down payment assistance such as HOME Plus.
- Available on owner-occupied homes with 1 to 4 units.
2026 FHA loan limits in Arizona
| Area | 2026 one-unit FHA limit |
|---|---|
| Maricopa County (Phoenix, Mesa, Chandler, Gilbert, Glendale, Peoria, Scottsdale) | $557,750 |
| Pinal County | $557,750 |
| Pima County (Tucson) and most other Arizona counties | $541,287 |
| Coconino County (Flagstaff) | $609,500 |
Source: HUD CY2026 FHA forward mortgage limits (apps.hud.gov/pub/chums/cy2026-forward-limits.txt), for case numbers assigned on or after January 1, 2026. Update every January.
Arizona details we plan for
HOA and condos. Condos need FHA project approval or a single-unit approval, so we check before you make an offer.
Pools and older homes. FHA appraisers flag safety hazards such as damaged pool fencing or peeling paint on pre-1978 homes. These must be fixed before closing.
Mortgage insurance. FHA has upfront and annual mortgage insurance premiums. We'll compare the total cost against conventional options so you see the full picture.
Arizona FHA loan FAQ
What credit score do I need for an FHA loan in Arizona?
FHA allows lower scores than most conventional loans, and lenders set their own minimums on top of FHA's rules. We compare several lenders to find one whose guidelines fit your credit.
What is the FHA loan limit in Phoenix for 2026?
Phoenix is in Maricopa County, where the 2026 FHA limit for a one-unit home is $557,750. Loans above that need a conventional or jumbo loan.
Can I use down payment assistance with an FHA loan?
Yes. Arizona's HOME Plus program works with FHA loans, and some local programs do too. Income limits and homebuyer education requirements apply.
Is FHA only for first-time buyers?
No. FHA is open to repeat buyers too, as long as the home will be your primary residence.
Does FHA mortgage insurance ever go away?
It depends on your down payment and when the loan was made. Many borrowers later refinance into a conventional loan to remove it. We'll explain the rules that apply to your loan.
Talk with Taum about your loan. Free consultation, no pressure. Office 480-967-TAUM (8286) · Cell 480-797-4898 · Apply Now
David "Taum" Hemmingsen · Owner · Banker · Broker · NMLS #51267 · AZ MLO License #0910918
Marketline Mortgage, LLC · NMLS #1842 · Arizona Mortgage Broker License #MB-1049666 · 16427 N Scottsdale Rd, Ste 410, Scottsdale, AZ 85254 · NMLS Consumer Access · Equal Housing Opportunity
This is not a commitment to lend. All loans are subject to credit approval, property eligibility, and program guidelines, which can change.
More areas and programs: Loan Programs · Phoenix · Scottsdale · Cave Creek · HOME Plus · First-Time Buyers