Arizona FHA Loans at a Glance: just 3.5% down · FICO from 580 · Phoenix limit $557,750, Flagstaff $609,500 · pairs with HOME+PLUS DPA · NMLS #1826020
Arizona FHA Home Loans · Direct Lender Since 1998

FHA Loans Arizona

Buy an Arizona home with as little as 3.5% down and a credit score from 580. From the booming Phoenix suburbs to Tucson and Flagstaff, FHA opens the door in a fast-growing Sun Belt state – and it pairs with the statewide HOME+PLUS down-payment program.

  • 3.5% down with a 580+ FICO (10% down from 500-579)
  • Pair HOME+PLUS DPA (up to 5%), forgivable over 3 years
  • Phoenix (Maricopa/Pinal) $557,750; Flagstaff $609,500; rest $541,287
  • Sun Belt growth plus a huge 55+/snowbird market
  • Gift funds welcome; seller can pay up to 6% of closing costs

Start My Arizona FHA Application →

Get Pre-Approved for a Arizona FHA Loan

Fast, friendly, no obligation.

Get Your Free Quote! No Credit Pull Required.

★ 3.5% down★ 580 credit OK★ HOME+PLUS DPA★ Sun Belt growth★ First-time friendly★ Serving AZ since 1998

Why an FHA loan works in Arizona

An FHA loan is a government-insured mortgage that helps Arizona buyers qualify with flexible credit, a low down payment and higher debt-to-income than conventional financing. In a fast-growing Sun Belt market, that flexibility helps buyers act on new-construction incentives.

Arizona pairs semiconductor-driven Phoenix growth with a huge retiree market. Whether you are buying your first home in Tucson or a place near Chandler’s top schools, an FHA loan stacked with HOME+PLUS help gets you to closing with less cash down. Start your application →

Arizona FHA loan requirements at a glance (2026)

How little you can put down3.5% with a 580 score – or 10% if your score is between 500 and 579
Score you need580 to start; we also coach borrowers who are rebuilding their credit
What MIP costs1.75% upfront (financed) and an annual premium near 0.15%-0.55% paid monthly
Debt-to-income roomOften 43%-50% with strong compensating factors and automated underwriting
Funding your down paymentPersonal savings, gift funds from relatives, or approved assistance programs
Seller-paid costsUp to 6% of the price can be contributed by the seller toward closing
Homes you can buySingle-family Arizona homes, approved condos and townhomes, and owner-occupied 2-4 units
Occupancy ruleFHA is for the home you will live in as your primary residence
Qualifying with helpNon-occupant co-borrowers are welcome to strengthen your application

2026 Arizona FHA loan limits by county

FHA loan limits are set by county. The Phoenix metro and Flagstaff run above the floor; most of the state is at the floor:

Maricopa & Pinal – Phoenix metro (1-unit)$557,750
Coconino – Flagstaff (1-unit)$609,500 – the state’s highest
Standard Arizona counties (1-unit)$541,287 (Pima/Tucson, Yavapai, Mohave, Yuma, Cochise and more)
2-unit (Maricopa)$714,000
3-4 unit propertiesHigher limits apply – ask us for your county’s exact figures

2026 one-unit FHA limits set annually by HUD; 2-4 unit limits are higher. We confirm the exact limit for your Arizona county before you write an offer.

Ready to see how much home you can buy in Arizona with 3.5% down? Get pre-approved today.
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Calculate your Arizona FHA loan

Use these quick Arizona FHA estimators to size up your payment and buying power, then apply for exact, personalized figures.

1. FHA monthly payment

Estimate your full monthly payment including FHA mortgage insurance.

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Total monthly payment
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Principal, interest & MIP

2. Down payment & cash to close

See your down payment and estimated cash after seller credits.

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Estimated cash to close
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Down payment amount

3. How much home can I afford?

Estimate your FHA price range from income and monthly debts.

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Estimated home price
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Max housing payment

4. FHA loan amount + MIP

See your base loan plus the 1.75% upfront MIP financed in.

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Total financed (with UFMIP)
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Base loan / 1.75% UFMIP

Estimates only and not a commitment to lend. FHA charges 1.75% upfront MIP (financed) plus a monthly annual premium (~0.55% here for illustration). Actual figures depend on your property, credit and qualification.

First-time buyer, family, or 55+ mover - we have an Arizona FHA program for you.
Start My Application

Arizona down payment assistance you can pair with FHA

Your FHA loan pairs with Arizona's statewide and regional down-payment programs:

HOME+PLUS

A statewide program (Arizona IDA) with 0-5% down-payment help on a 30-year fixed FHA loan, as an interest-free second forgiven monthly over 3 years.

Home in Five Advantage

Up to 5% DPA for buyers in Maricopa County within income limits.

Pima Tucson HOME

Down-payment assistance for buyers in Pima County (Tucson).

Who qualifies

Generally 620+ credit, income limits (around $146,503 for FHA on HOME+PLUS), and a homebuyer education course.

Gift funds & seller credits

Combine gift funds and up to 6% in seller credits with FHA and Arizona DPA to cut cash to close.

We match the program

We line up the statewide or county program that gives you the most help.

Ask about HOME+PLUS - up to 5% down-payment help across Arizona.
See If You Qualify

Assistance programs have income, price and funding limits, are first-come while funds last, and are subject to change and eligibility. We confirm what you qualify for.

Stack HOME+PLUS with FHA - up to 5% down-payment help.
See If I Qualify
Buy a Arizona home with an FHA loan - apply nowYour Arizona home is closer than you think →

Arizona FHA at a glance

  • Only 3.5% down required to get into a Arizona home
  • A 580 FICO is enough - and we help buyers rebuilding credit
  • Down payment can come from HOME+PLUS help or family gifts
  • Eligible on homes, condos and 1-4 unit owner-occupied properties
  • Refinance later with a fast FHA Streamline, no appraisal

Get My FHA Pre-Approval →

Where we lend in Arizona

From the big metros to small towns, we lend statewide. A sampling of the Arizona cities where we close FHA loans:

  • Phoenix
  • Tucson
  • Mesa
  • Chandler
  • Gilbert
  • Scottsdale
  • Glendale
  • Tempe
  • Peoria
  • Surprise
  • Flagstaff
  • Yuma
  • Goodyear
  • Buckeye
  • Queen Creek
  • Avondale
  • Casa Grande
  • Maricopa
  • Prescott
  • Sierra Vista

Do not see your city? Start your application → - we lend statewide across Arizona.

Family-friendly Arizona: best schools

School quality drives long-term home value. These Arizona areas are among the best-regarded in the state:

Chandler Unified

Top-rated, fast-growing East Valley district.

Gilbert Public Schools

Highly rated schools in one of the safest suburbs in the country.

Scottsdale Unified

Well-regarded district across the Scottsdale area.

Cave Creek Unified

Sought-after schools in the north Valley.

Catalina Foothills (Tucson)

The Tucson area's best-regarded district.

Queen Creek Unified

Booming, well-rated far-East-Valley schools.

Popular Arizona active-adult (55+) communities

Downsizing to an active-adult community in Arizona? FHA works there too (condos must be FHA-approved). Notable options:

Sun City & Sun City West

The original Del Webb active-adult communities northwest of Phoenix.

Sun City Grand (Surprise)

Large, amenity-rich Del Webb community in the West Valley.

Sun Lakes

Established active-adult community in the southeast Valley.

Trilogy (Vistancia, Wickenburg Ranch)

Resort-style active-adult communities.

PebbleCreek (Goodyear)

Popular West Valley 55+ golf community.

Robson Ranch (Eloy)

Gated active-adult living south of the metro.

Get your Arizona FHA loan moving

First-time buyer, growing family or downsizing to a 55+ community, we line up the best Arizona FHA program and get you pre-approved quickly with just 3.5% down.

  • Fast, no-obligation pre-approval
  • Gift funds and state DPA welcome
  • Hands-on Arizona help from application to closing

Apply for My Arizona FHA Loan →

Apply for your Arizona FHA home loanGet pre-approved with 3.5% down →

Arizona FHA programs we offer

FHA home purchase

The 3.5%-down path to a Arizona primary residence - homes, condos and 2-4 units.

Rate/term streamline

Refinance an existing FHA loan to a better rate with minimal paperwork.

Renovation (203k)

One FHA loan that covers both the home and the repairs it needs.

Equity cash-out

Convert Arizona home equity to cash up to the FHA loan limit.

Approved-condo loans

Financing across FHA-approved Arizona condominium communities.

Assistance + gifts

Combine Arizona down-payment programs and family gifts to buy for less.

How the Arizona FHA process works

Apply and get pre-approved

Fill out the quick application; we confirm budget, rate and down payment fast.

Go house-hunting

Search the Arizona neighborhoods and schools you love with a stronger offer in hand.

Underwriting

We order the FHA appraisal and clear your file with common-sense underwriting.

Move in

Sign at closing, take the keys, and settle into your new Arizona home.

The 2027 Arizona FHA outlook

Here is where the Arizona market is heading into 2027 for FHA buyers:

The TSMC effect

TSMC's tens of billions in north-Phoenix chip fabs anchor a fast-growing tech and manufacturing corridor.

New-build supply

Heavy construction in Buckeye, Queen Creek and the West Valley is tempering price spikes - good for FHA buyers.

Most of Arizona is at the floor

Only Maricopa, Pinal and Coconino sit above the floor, so most buyers finance within $541,287.

Heat, water & insurance

Water policy and heat-resilience are becoming larger buyer considerations - factor them into your search.

Outlook only, not a guarantee or financial advice. Market conditions change; we give you current, personalized numbers when you apply.

Arizona FHA loan questions, answered

What are the 2026 FHA loan limits in Arizona?

The Phoenix metro (Maricopa and Pinal counties) is $557,750 for a one-unit home, and Flagstaff (Coconino) is the state's highest at $609,500. Most of Arizona, including Tucson (Pima County), is at the $541,287 floor.

How does Arizona's HOME+PLUS program work with FHA?

HOME+PLUS provides 0-5% of the loan in down-payment help on a 30-year fixed FHA loan, as an interest-free second that forgives over three years. It generally requires 620+ credit, income within limits, and a homebuyer education course.

How little can I put down on an FHA loan in Arizona?

As little as 3.5% with a 580 score (10% from 500-579). That down payment can come from your savings, a family gift, or eligible assistance.

Can I buy a Arizona condo with FHA?

Yes, as long as the condo is on the FHA-approved list or qualifies for single-unit approval - we will confirm your building before you write an offer.

Is an FHA loan right for first-time buyers in Arizona?

For most first-timers, yes - 3.5% down, flexible 580 credit, gift funds, and it combines with Arizona's HOME+PLUS assistance to shrink your out-of-pocket cost.

Does CambridgeHomeLoan.com lend directly?

Yes - we are a direct FHA lender (NMLS #1826020), serving homebuyers since 1998 with hands-on guidance start to finish.

Get pre-approved for your Arizona FHA loan

Start your Arizona FHA pre-approval now - low 3.5% down, flexible 580 credit, gift funds and state assistance accepted. Direct lender, no obligation, since 1998.

Get Pre-Approved for a Arizona FHA Loan

Fast, friendly, no obligation.

Get Your Free Quote! No Credit Pull Required.

Start My Application →

Serving Arizona homebuyers Since 1998!
© 2026 CambridgeHomeLoan.com  ·  NMLS #1826020  ·  4830 W Kennedy Blvd, Tampa, FL 33609  ·  (800) 826-5077  ·  Equal Housing Lender  ·  NMLS Consumer Access

Rates, terms, FHA loan limits and program guidelines are for 2026, subject to change, and depend on the property, credit and qualification. Not a commitment to lend. This is not a government agency. Equal Housing Lender.


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