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FHA loans in Arizona

Quick answer

FHA loans in Arizona require 3.5% down with a 580+ credit score; on a $358,900 home that's about $12,562. County FHA limits start at $541,287 for one-unit homes in lower-cost areas.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

FHA loan snapshot for Arizona

ItemEstimate
Minimum down payment3.5%
Minimum credit score580
Typical AZ home value$358,900
3.5% down on typical home$12,562
20% down on typical home$71,780
Avg. effective property tax0.52%/yr (~$155/mo)
Income for typical home (31% rule)$108,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Arizona programs pair with FHA loans?

  • HOME+PLUS: A 30-year fixed loan paired with down payment and closing cost assistance (typically a percentage of the loan amount) for buyers under income limits.
  • Local city programs: Phoenix, Tucson and several counties run their own down payment assistance for qualifying first-time buyers.

Details and current limits: Arizona Industrial Development Authority (HOME+PLUS).

Who is an FHA loan best for?

FHA is designed for buyers with modest savings or credit that's still being built. Because the government insures the lender against loss, lenders can approve borrowers they might otherwise decline.

  • Credit scores between 580 and 680.
  • Debt-to-income ratios up to about 50% with compensating factors.
  • Buyers using gift funds for the entire down payment.
  • Buyers who had a bankruptcy 2+ years ago or foreclosure 3+ years ago.

How much does FHA mortgage insurance cost?

The upfront premium (UFMIP) is 1.75% of the base loan amount and is usually rolled into the loan. The annual premium for most 30-year loans is 0.55% of the balance, paid monthly. With less than 10% down, annual MIP lasts for the life of the loan; with 10% or more, it ends after 11 years. Many owners later refinance into a conventional loan to drop MIP.

FHA loans in Arizona cities

FHA in PhoenixFHA in TucsonFHA in MesaFHA in ChandlerFHA in GilbertFHA in GlendaleFHA in ScottsdaleFHA in PeoriaFHA in TempeFHA in SurpriseFHA in San Tan ValleyFHA in GoodyearFHA in BuckeyeFHA in YumaFHA in AvondaleFHA in FlagstaffFHA in Casas AdobesFHA in Queen CreekFHA in MaricopaFHA in Lake Havasu CityFHA in Casa GrandeFHA in MaranaFHA in Catalina FoothillsFHA in Prescott ValleyFHA in Oro ValleyFHA in PrescottFHA in Sierra VistaFHA in Bullhead CityFHA in Apache JunctionFHA in Sun CityFHA in San LuisFHA in El MirageFHA in SahuaritaFHA in KingmanFHA in Fortuna FoothillsFHA in Drexel HeightsFHA in Sun City WestFHA in FlorenceFHA in Fountain HillsFHA in AnthemFHA in Rio RicoFHA in Green ValleyFHA in NogalesFHA in New RiverFHA in Flowing WellsFHA in EloyFHA in PaysonFHA in DouglasFHA in VailFHA in Fort MohaveFHA in Tanque VerdeFHA in CoolidgeFHA in SomertonFHA in New Kingman-ButlerFHA in Sierra Vista SoutheastFHA in Sun LakesFHA in Valencia WestFHA in Chino ValleyFHA in Tucson EstatesFHA in Verde Village

Frequently asked questions

Yes. FHA loans are available statewide in Arizona through approved lenders, subject to county loan limits where they apply.

Often yes. Arizona Industrial Development Authority (HOME+PLUS) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Arizona.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.