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VA loans in Arizona

Quick answer

VA loans in Arizona let eligible veterans and service members buy with 0% down and no monthly mortgage insurance. With full entitlement there's no VA loan limit; a one-time funding fee applies unless exempt.

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

VA loan snapshot for Arizona

ItemEstimate
Minimum down payment0%
Minimum credit scoreNo VA minimum (lenders often 580–620)
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 VA 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 eligible for a VA loan?

  • Veterans who meet minimum service requirements (commonly 90 consecutive days in wartime or 181 days in peacetime).
  • Active-duty service members after 90 continuous days.
  • National Guard and Reserve members with 6 years of service, or 90 days of active-duty service under Title 10/32.
  • Surviving spouses of service members who died in service or from a service-connected disability (in many cases).

What is the VA funding fee?

The fee can be financed into the loan. Veterans receiving VA disability compensation, and some others, are exempt. Fees shown are for purchase loans and may change.

Down paymentFirst useSubsequent use
Less than 5%2.15%3.3%
5% to under 10%1.5%1.5%
10% or more1.25%1.25%

VA loans in Arizona cities

VA in PhoenixVA in TucsonVA in MesaVA in ChandlerVA in GilbertVA in GlendaleVA in ScottsdaleVA in PeoriaVA in TempeVA in SurpriseVA in San Tan ValleyVA in GoodyearVA in BuckeyeVA in YumaVA in AvondaleVA in FlagstaffVA in Casas AdobesVA in Queen CreekVA in MaricopaVA in Lake Havasu CityVA in Casa GrandeVA in MaranaVA in Catalina FoothillsVA in Prescott ValleyVA in Oro ValleyVA in PrescottVA in Sierra VistaVA in Bullhead CityVA in Apache JunctionVA in Sun CityVA in San LuisVA in El MirageVA in SahuaritaVA in KingmanVA in Fortuna FoothillsVA in Drexel HeightsVA in Sun City WestVA in FlorenceVA in Fountain HillsVA in AnthemVA in Rio RicoVA in Green ValleyVA in NogalesVA in New RiverVA in Flowing WellsVA in EloyVA in PaysonVA in DouglasVA in VailVA in Fort MohaveVA in Tanque VerdeVA in CoolidgeVA in SomertonVA in New Kingman-ButlerVA in Sierra Vista SoutheastVA in Sun LakesVA in Valencia WestVA in Chino ValleyVA in Tucson EstatesVA in Verde Village

Frequently asked questions

Yes. VA 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.