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2025 FHA Loan Limits in Arizona

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Aspiring Arizona homebuyers with low credit scores or limited down payment savings may qualify to buy a home with the help of a loan insured by the Federal Housing Administration (FHA). For 2025, Arizona residents purchasing a single-family home have FHA loan limits that range from $524,225 to $563,500.

Arizona FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
APACHE	$524,225	$671,200	$811,275	$1,008,300	$120,000
COCHISE	$524,225	$671,200	$811,275	$1,008,300	$218,000
COCONINO	$563,500	$721,400	$872,000	$1,083,650	$490,000
GILA	$524,225	$671,200	$811,275	$1,008,300	$320,000
GRAHAM	$524,225	$671,200	$811,275	$1,008,300	$247,000
GREENLEE	$524,225	$671,200	$811,275	$1,008,300	$118,000
LA PAZ	$524,225	$671,200	$811,275	$1,008,300	$145,000
MARICOPA	$546,250	$699,300	$845,300	$1,050,500	$475,000
MOHAVE	$524,225	$671,200	$811,275	$1,008,300	$256,000
NAVAJO	$524,225	$671,200	$811,275	$1,008,300	$269,000
PIMA	$524,225	$671,200	$811,275	$1,008,300	$359,000
PINAL	$546,250	$699,300	$845,300	$1,050,500	$475,000
SANTA CRUZ	$524,225	$671,200	$811,275	$1,008,300	$265,000
YAVAPAI	$524,225	$671,200	$811,275	$1,008,300	$409,000
YUMA	$524,225	$671,200	$811,275	$1,008,300	$250,000

How are FHA loan limits determined?

The maximum you can borrow with an FHA loan typically changes each year. FHA loan limits are calculated as a percentage of the national conforming loan limit set by the Federal Housing Finance Agency (FHFA) for conventional loans, which are mortgages that follow rules created by Freddie Mac and Fannie Mae. These limits shift to reflect median U.S. home prices seen over the past year and vary depending on where the home is located.

In 2025, the FHA loan limit floor, or maximum amount someone can borrow to purchase a single-family home in most parts of the country, is $524,255 — or 65% of the national conforming loan limit of $806,500. Those living in major cities or pricier areas can take out larger FHA loans, ranging up to the ceiling amount of $1,209,750 (or $1,814,625 in Alaska, Guam, Hawaii and the U.S. Virgin Islands).

The highest FHA loans possible in Arizona, however, top out at $563,500 in Coconino County, and at $546,250 in Maricopa and Pinal counties.

How to qualify for an FHA loan in Arizona

Since the FHA will reimburse a lender if you default on your mortgage, these loans offer flexible qualification requirements. Here are the minimum requirements to get an FHA loan:

Credit score: You can qualify for an FHA loan with a credit score of at least 500. But you’ll need to make a higher down payment than if your score is 580 or above. Borrowers who’ve recently experienced bankruptcy or foreclosure can apply for an FHA loan sooner than the typical four- to seven-year waiting period required for conventional loans.
Down payment: FHA loans allow you to make a down payment of just 3.5% if your credit score is 580 or higher. Those with lower scores will need to put down 10% or more. The down payment money can also come from a source other than yourself, such as a gift from a relative or the sale of an asset, like a car.
Debt-to-income ratio (DTI): Lenders will check how much of your earnings go toward debt repayment by dividing your total debt by your pretax income. The higher that ratio, the riskier a borrower you’re perceived to be. The FHA sets the DTI ratio limit at 43%. You may still qualify with a higher DTI if you have a strong credit score and significant cash reserves.
Mortgage insurance: The FHA requires borrowers to obtain two types of mortgage insurance to get an FHA loan. First is an upfront mortgage insurance premium equal to 1.75% of the amount borrowed, which is usually tacked on to your outstanding mortgage balance. The other is an annual mortgage insurance premium, which costs between 0.15% and 0.75% of the total loan and is typically added to your monthly mortgage payment.
Used for primary home purchase: The home you buy using an FHA loan must be your primary residence for at least one year. These loans cannot be used to purchase vacation homes or rental properties.
Stable job history: FHA loans have no income limits or requirements. But lenders want to see proof of your work history through two years’ worth of pay stubs and W-2s as well as employer contact information. Any large resume gaps will need to be explained.
Appraisal: All homes financed with an FHA loan must first pass an FHA appraisal, which typically costs between $400 and $700, to verify the value and condition of the home and to check that it’s safe to reside in.

Buying a multifamily property with an FHA loan

FHA loans can also be used to finance multifamily properties with two to four housing units. These residential mortgages function similarly to those used to purchase single-family homes. But FHA loans for multifamily properties come with higher loan limits that increase with each additional unit. To qualify for a multiunit FHA loan, you’ll need to meet these requirements:

Credit score: You can qualify with a credit score of 500 or higher, though you’ll need to make a larger down payment than if your score were at least 580.
Down payment: The minimum down payment with a credit score of 580 or higher is 3.5%. If your credit score is less than 580, you must put down 10% or more.
Debt-to-income ratio (DTI): Lenders will divide your total debt by your pretax income to get a sense of your repayment ability. To get an FHA loan, the maximum DTI is 43%. If your DTI is higher, you can still qualify, but you’ll need a strong credit score and cash reserves.
Live in one of the units: The property should have two to four residential units, or, if it’s a mixed-use property, 51% of the square footage must be of residential use. You will need to live in one of the units for at least one year to qualify for the loan. But the remaining units can be rented out, which allows you to consider house hacking to earn rental income.