FHA Loan Limits Phoenix AZ 2026: Maricopa County $546,250 + DPA Programs
2026 FHA limit: $546,250 (single-family) · 3.5% down with 580+ credit · Arizona DPA: up to 5% grant, no repayment
Covers most Phoenix, Mesa, Glendale, Surprise & Buckeye homes · Scottsdale may need jumbo
2026 FHA Loan Limits: Maricopa County (Phoenix Metro)
| Property Type | 2026 FHA Limit (Maricopa) | National Baseline | Min Down (3.5%) |
|---|---|---|---|
| 1-Unit (Single Family) | $546,250 | $524,225 | $19,119 |
| 2-Unit (Duplex) | $699,300 | $671,200 | $24,476 |
| 3-Unit (Triplex) | $845,300 | $811,275 | $29,586 |
| 4-Unit (Fourplex) | $1,050,500 | $1,008,300 | $36,768 |
💡 Key Fact: The 2026 Maricopa County FHA limit of $546,250 covers the median home in Phoenix ($385K), Mesa ($385K), Glendale ($345K), Surprise ($365K), and Buckeye ($335K). Scottsdale's median of $745K exceeds the FHA limit — Scottsdale buyers typically need a conventional or jumbo loan.
Arizona FHA Down Payment Assistance Programs 2026
1. Arizona Home Plus Program
🏆 Best OverallUp to 5% DPA — Grant (No Repayment)
Statewide AZ program. 3%–5% of purchase price as a grant — no repayment ever. Pairs with FHA, VA, USDA, or conventional. Income limit: $122,100 (most counties). Credit: 640+. Purchase price: up to $546,250 (FHA limit). Apply via approved AZ lender.
2. Home in Five Advantage (Maricopa County)
🏙️ Best for Phoenix MetroUp to 5% DPA — Maricopa Only
Exclusive to Maricopa County (Phoenix metro). Up to 5% DPA as a grant. Bonus: +1% for teachers, firefighters, military, police. Income limit: $115,000. Credit: 640+. No first-time buyer requirement.
3. Chenoa Fund
💰 No Income Limit3.5% DPA — No Income Limits
National DPA program works in Arizona. Provides 3.5% covering entire FHA down payment. No income limits (unique). Repayment: forgivable after 36 on-time payments, OR repayable second mortgage at 0%. Credit: 620+. Good for higher-income buyers who exceed other program limits.
4. City of Phoenix DPA
🏙️ Phoenix CityUp to $15,000 — City Residents Only
Available for homes within Phoenix city limits. Income limit: 80% AMI. First-time buyer required. 5-year occupancy to avoid repayment. Must use a Phoenix-approved lender. Contact: phoenix.gov/housing.
FHA vs Conventional in Phoenix: Which Is Better for You?
| Factor | FHA Loan | Conventional |
|---|---|---|
| Min Down Payment | 3.5% (580 credit) | 3% (620 credit, 1st-time) |
| Min Credit Score | 500 (10% down) / 580 (3.5%) | 620 minimum |
| Mortgage Insurance | MIP forever (unless refi) | PMI removable at 20% equity |
| 2026 Loan Limit (Phoenix) | $546,250 | $806,500 (no limit on jumbo) |
| DPA Availability | Excellent — many AZ programs | Good — Home Plus works |
| Best For | 580–720 credit buyers | 740+ credit, 20%+ down |
Phoenix FHA Loan FAQs
What is the FHA loan limit in Phoenix AZ (Maricopa County) for 2026?
2026 FHA loan limits for Phoenix, AZ (Maricopa County): 1-unit (single-family): $546,250. 2-unit (duplex): $699,300. 3-unit (triplex): $845,300. 4-unit (fourplex): $1,050,500. Maricopa County is classified as a "high-cost area" by HUD, so FHA limits exceed the national baseline of $524,225. These limits apply to FHA purchase loans and FHA refinances (FHA Streamline, FHA Cash-Out). If your home price exceeds these limits, you need a conventional or jumbo loan.Check your personalized rate →
How do FHA loan limits work in Phoenix?
FHA loan limits in Phoenix (Maricopa County) are set by HUD each year based on median home prices. The limit ($546,250 for 1-unit in 2026) is the MAXIMUM loan amount FHA will insure — not the maximum home price. Example: $600,000 Phoenix home with FHA: maximum FHA loan = $546,250. You pay 3.5% down = $21,000. But you also need to cover the gap: $600,000 - $546,250 = $53,750 + $21,000 = $74,750 total cash needed. For most Phoenix buyers targeting $350K-$546K homes, FHA works perfectly — put 3.5% down ($12,250 on $350K) with 580+ credit.Check your personalized rate →
What is the minimum credit score for an FHA loan in Phoenix?
FHA credit score requirements for Phoenix buyers: 580+ credit: minimum 3.5% down payment. 500–579 credit: minimum 10% down payment. Below 500: FHA not available. Most Phoenix FHA lenders require 580+ for 3.5% down. Some lenders (like Rocket Mortgage) add overlays requiring 620+ for FHA. If your score is 580–619, seek out FHA lenders without overlays. FHA is the best loan for Phoenix buyers with 580–680 credit — conventional loans require 620 minimum and typically charge higher rates for scores under 740.Check your personalized rate →
What is the average home price in Phoenix AZ in 2026?
Phoenix metro (Maricopa County) median home prices in 2026: City of Phoenix: ~$385,000. Scottsdale: ~$745,000 (many require jumbo). Tempe: ~$420,000. Mesa: ~$385,000. Chandler: ~$450,000. Gilbert: ~$480,000. Glendale: ~$345,000. Peoria: ~$415,000. Surprise: ~$365,000. Buckeye: ~$335,000. For most Phoenix suburbs (Mesa, Glendale, Surprise, Buckeye), the $546,250 FHA limit covers the median home. Scottsdale buyers will often need jumbo or conventional loans.Check your personalized rate →
Are there down payment assistance programs in Phoenix AZ for FHA buyers?
Yes. Phoenix/Arizona FHA buyers have several DPA options: (1) Arizona Home Plus Program — 3%–5% DPA grant (no repayment), pairs with FHA. Available statewide. (2) Home in Five Advantage — up to 5% DPA for Maricopa County buyers (income ≤$115,000). (3) City of Phoenix DPA — up to $15,000 for Phoenix city residents (income limits apply). (4) Maricopa County DPA — up to $10,000 for unincorporated county areas. (5) Chenoa Fund — 3.5% DPA covering FHA down payment, no income limits. Using Arizona Home Plus or Home in Five + FHA means you can buy with near $0 out of pocket for the down payment in Maricopa County.Check your personalized rate →
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