Skip to content
Purchase Mortgage Loan
Get Pre-Approved

First-time home buyer programs in Sun City, AZ

Quick answer

First-time buyers in Sun City, AZ can use 3%-down conventional loans (up to the $832,750 Maricopa County conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $259,800 median home, 3% down is about $7,794 and the estimated payment is $2,024/month at 7.18%.

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

Median household income: $52,111; value-to-income ratio 4.99. Sun City ranks 48 by home value and 30 by population among 68 places in our AZ dataset.

What does a first-time buyer loan cost on a typical Sun City home?

ItemSun City
Median home value (Census ACS)$259,800
Arizona median home value$358,900
Down payment (3%)$7,794
Loan amount$252,006
Estimated monthly payment (PITI + MI)$2,024
Income needed (28% / 36%)$87,000 / $68,000
Maricopa County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

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

Payment includes Arizona's 0.52% effective property tax rate (Census ACS), $1,194/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Sun City?

Sun City is in Maricopa County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $557,750.

The Sun City median home value of $259,800 is 28% below the Arizona median, and within what the county limit supports.

Which down payment assistance programs can Sun City buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

First-time buyer loans in nearby cities

El MirageSun City WestGlendaleSurprisePhoenixPeoria

First-time buyer loan FAQs for Sun City

On the $259,800 median: 3% conventional ≈ $7,794, 3.5% FHA ≈ $9,093, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Maricopa County become jumbo loans.

At the $259,800 median value (below the Arizona median of $358,900), the estimated payment of $2,024/month at 7.18% needs about $87,000 a year under the 28% housing guideline, or $68,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with First-time buyer lenders in Sun City

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

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.