Arizona Mortgage Guides 2026
This complete Arizona mortgage guide covers FHA loan limits by county, HOME Plus down payment assistance, USDA rural loans for rural Arizona, VA resources for Arizona’s large veteran population, and a complete closing cost breakdown — all in one place.
Everything You Need for an Arizona Home Purchase
Six in-depth guides covering every aspect of getting a mortgage in Arizona — from loan program selection to what you’ll pay at closing.
Arizona Mortgage Guide
FHA loan limits by county, loan programs, HOME Plus assistance, property taxes, and the 2026 Arizona housing market overview covering Phoenix, Tucson, Scottsdale, and beyond.
Read guide →Arizona First-Time Home Buyer Guide
The Arizona IDA’s HOME Plus and Arizona Is Home programs, city assistance in Phoenix and Tucson, and income and purchase price limits explained.
Read guide →Arizona FHA Loan Requirements
2026 FHA limits for Maricopa and Pinal (Phoenix metro), Pima (Tucson), Coconino (Flagstaff), and all Arizona counties — credit score requirements, MIP, and how FHA competes in Arizona’s market.
Read guide →Arizona VA Loan Requirements
VA loan benefits for Arizona veterans — no down payment, no PMI, and how VA performs in the Phoenix and Tucson markets where veteran populations are significant.
Read guide →Arizona USDA Loans
USDA-eligible rural areas in Arizona including rural communities in Cochise, Graham, Greenlee, Navajo, and Apache counties — income limits and eligibility explained.
Read guide →Arizona Closing Costs Guide
Arizona’s low closing cost environment — no transfer tax, no mortgage tax, escrow-based closings, and what buyers and sellers typically pay.
Read guide →Key Arizona Mortgage Guide Facts
FHA Loan Limits (2026)
- Maricopa & Pinal (Phoenix metro): $557,750
- Coconino (Flagstaff): $609,500
- All 12 other counties, including Pima (Tucson) and Yavapai (Prescott): $541,287
- Confirm your county at HUD’s official lookup
Down Payment Assistance
- HOME Plus: up to 4% of the loan as a forgivable second mortgage — forgiven after 5 years, repaid if you sell or refinance sooner
- Income limit $155,386 (as of 4/6/2026); no first-time buyer requirement; minimum credit score 620
- Arizona Is Home: 4% assistance plus a below-market rate for first-time buyers — not available in Maricopa, Pima, or Chino Valley
- Current terms at homeplusaz.com
Property Taxes
- Effective rate roughly 0.45%–0.6% depending on county (Est.)
- Residential assessment ratio: 10% of limited property value
- Owner-occupied perks: homeowner’s rebate of 50% of the qualifying school district tax rate, up to $600/yr (A.R.S. § 15-972); residential primary taxes are also capped at 1% of limited value by the Arizona Constitution
- Details at the Arizona Department of Revenue
Closing Costs
- Recording fee: $30 per document (A.R.S. § 11-475)
- No real estate transfer tax — prohibited by Ariz. Const. art. 9, § 24
- No mortgage tax or intangible tax
- Escrow-based closings, no attorney required; who pays each title policy varies and is set in the purchase contract
Buying or Refinancing in Arizona?
Arizona has unique advantages — no transfer tax, low property taxes, and HOME Plus assistance for both first-time and repeat buyers. Our guides above break down all of it, and every figure links to the official source so you can verify current terms.
- ✓ Check HOME Plus eligibility and current terms at homeplusaz.com
- ✓ Confirm your county’s 2026 FHA limit with HUD’s lookup tool
- ✓ Compare FHA vs. conventional using our loan program guides
- ✓ Estimate your total cash to close with our closing cost guide
No obligation · Educational first
Talk to an Arizona Mortgage Advisor
Have questions about buying or refinancing in Arizona? A licensed mortgage advisor can walk you through your loan options, assistance programs and costs, with no obligation.
Speak to a Mortgage Advisor