Arizona loan programs
Arizona conventional loans and the 2026 conforming loan limit
A conventional loan is a mortgage that isn't insured or guaranteed by a government agency. Most follow Fannie Mae or Freddie Mac guidelines. Here's the 2026 conforming loan limit for Arizona, how private mortgage insurance works, and how conventional loans compare with FHA and VA.
Two ways to start
- Search homes by payment
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens a third-party home search site. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
- Get pre-qualified (Apply now) (opens in a new tab)
Get pre-qualified with Rebel Rate Mortgage. Once you're pre-qualified, your home search is tied directly to your pre-qualification, so the homes you see fit what you qualify for.
Opens Rebel Rate Mortgage's secure online application (my1003app.com) in a new tab. Pre-qualification isn't a loan approval or a commitment to lend; approval depends on underwriting, verification of your information, and the property.
Applications are handled by Pam Messina, NMLS #245626, Rebel Rate Mortgage, Inc. (NMLS #2571369).
What is the conforming loan limit in Arizona for 2026?
Quick answer: The 2026 conforming loan limit is $832,750 for a one-unit home in every Arizona county, including Maricopa and Pima, set by the Federal Housing Finance Agency. Limits for two to four units are $1,066,250, $1,288,800 and $1,601,750. Larger conventional loans are jumbo loans with lender-set guidelines.
Source: FHFA, Conforming Loan Limit Values for 2026, and HUD lookup of 2026 Fannie Mae/Freddie Mac limits for Arizona, retrieved October 1, 2026. Last updated .
2026 conforming loan limit in Arizona
For 2026, the conforming loan limit is $832,750 for a one-unit home in every Arizona county. That's FHFA's national baseline, up $26,250 from 2025. No Arizona county is designated high-cost, so the limit is the same in Maricopa, Pima, Coconino, and the rest of the state.
| Units | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Every Arizona county | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Sources: FHFA, Conforming Loan Limit Values for 2026 (November 25, 2025), and HUD's lookup of 2026 Fannie Mae/Freddie Mac limits for Arizona (all 15 counties at the baseline), retrieved October 1, 2026. Also see Fannie Mae loan limits.
A conventional loan above the conforming limit is a jumbo loan. Jumbo loans aren't bought by Fannie Mae or Freddie Mac, so lenders set their own guidelines, which are often stricter about credit, reserves, and documentation.
What lenders look at for a conventional loan
- Credit score and history. Conventional pricing and mortgage insurance costs usually depend more on credit score than FHA's do (CFPB).
- Debt-to-income ratio. Your monthly debts, including the new housing payment, compared with gross monthly income.
- Income and assets. Documented income, plus funds for the down payment, closing costs, and any required reserves.
- The property and how you'll use it. Conventional loans can finance a primary home, a second home, or an investment property. Requirements are stricter for second homes and investment property.
- Loan amount. Within the conforming limit for a conforming loan; above it, jumbo guidelines apply.
Private mortgage insurance (PMI) basics
PMI protects the lender, not you, if you stop making payments. According to the CFPB:
- PMI is usually required on a conventional loan when you borrow more than 80% of the home's price or value. On a refinance, that means your equity is under 20% of the home's value.
- It's most often paid as a monthly premium. It can also be a one-time upfront premium, or a mix. Your Loan Estimate shows which.
- PMI rates vary with your down payment and credit score. For borrowers with good credit, they're generally lower than FHA mortgage insurance.
- You can ask to cancel PMI when your principal balance is scheduled to reach 80% of the home's original value (or sooner, if extra principal payments get you there), if you're current, have a good payment history, and have no second liens. PMI generally ends automatically when the balance is scheduled to reach 78%, or at the midpoint of the loan's amortization schedule.
- Some lenders offer loans without PMI in exchange for a higher interest rate. Compare the total cost over the time you expect to keep the loan.
Sources: CFPB, What is private mortgage insurance? and When can I remove PMI? (last reviewed August 28, 2026), retrieved October 1, 2026. These rules apply to single-family principal residences with loans closed on or after July 29, 1999. Fannie Mae and Freddie Mac may allow earlier removal.
Conventional vs. FHA vs. VA
| Conventional | FHA | VA | |
|---|---|---|---|
| Backed by | None (Fannie Mae or Freddie Mac guidelines if conforming) | FHA (HUD) insurance | VA guaranty |
| 2026 Arizona one-unit limit | $832,750 conforming | $541,287 to $609,500 by county | No VA limit with full entitlement |
| Mortgage insurance | PMI when required, removable | Upfront and annual FHA premiums | No monthly mortgage insurance; one-time funding fee unless exempt |
| Property use | Primary, second home, or investment | Principal residence | Home you'll live in |
| Who can use it | Anyone who qualifies | Anyone who qualifies | Eligible veterans, service members, some surviving spouses |
Details: Arizona FHA loans · Arizona VA loans
Steps to a conventional loan in Arizona
- Pick a monthly budget you're comfortable with. Taxes, insurance, HOA dues, and any PMI all count. How much house can I afford? walks through it.
- Check your credit reports for errors at AnnualCreditReport.com.
- Gather income, asset, and ID documents.
- Apply with one or more licensed lenders and compare Loan Estimates, including the PMI options.
- Keep the loan amount within $832,750 for a one-unit conforming loan, or ask about jumbo options.
Rebel Rate Mortgage, Inc. offers conventional and jumbo loans in Arizona. Daryle Messina (NMLS #183491) can compare PMI options and loan types with you.
General information for Arizona home buyers, not a loan offer, rate quote, or commitment to lend. Program rules come from the official sources linked on this page and can change. All loans are subject to credit approval, underwriting, and property eligibility, and not all applicants will qualify. Rebel Rate Mortgage, Inc. is not a government agency and is not affiliated with or endorsed by HUD, FHA, the Department of Veterans Affairs, FHFA, Fannie Mae, or Freddie Mac. We don't quote interest rates on this site. A Loan Estimate shows the actual terms for a specific loan.
Related loan guides
Plan your numbers: how much house can I afford? · comfortable payment finder · all calculators · first-time buyer guide · what you need to buy
Two ways to start: search by payment, or get pre-qualified
Search Arizona homes with each home's taxes, HOA dues, and insurance built into the estimated payment, or apply with Rebel Rate Mortgage. Daryle Messina (NMLS #183491) can review which loan type fits.
Two ways to start
- Search homes by payment
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens a third-party home search site. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
- Get pre-qualified (Apply now) (opens in a new tab)
Get pre-qualified with Rebel Rate Mortgage. Once you're pre-qualified, your home search is tied directly to your pre-qualification, so the homes you see fit what you qualify for.
Opens Rebel Rate Mortgage's secure online application (my1003app.com) in a new tab. Pre-qualification isn't a loan approval or a commitment to lend; approval depends on underwriting, verification of your information, and the property.
Applications are handled by Pam Messina, NMLS #245626, Rebel Rate Mortgage, Inc. (NMLS #2571369).
Prefer to talk it through? Daryle Messina, NMLS #183491
Sources
- FHFA, Conforming Loan Limit Values for 2026 (news release, November 25, 2025) (retrieved October 1, 2026)
- FHFA, conforming loan limit data by county (retrieved October 1, 2026)
- HUD, FHA Mortgage Limits lookup (Arizona, FHA Forward and Fannie/Freddie, CY2026) (limits effective January 1, 2026; retrieved October 1, 2026)
- Fannie Mae, loan limits (retrieved October 1, 2026)
- CFPB, What is private mortgage insurance? (retrieved October 1, 2026)
- CFPB, When can I remove private mortgage insurance (PMI) from my loan? (last reviewed August 28, 2026; retrieved October 1, 2026)
- CFPB, What is mortgage insurance and how does it work? (last reviewed August 28, 2026; retrieved October 1, 2026)
Frequently asked questions
What is the conforming loan limit in Arizona for 2026?
$832,750 for a one-unit home in every Arizona county, set by FHFA. Two- to four-unit limits are $1,066,250, $1,288,800, and $1,601,750. No Arizona county has a higher high-cost limit.
What is the conforming loan limit in Maricopa County?
$832,750 for a one-unit home in 2026, the same as the rest of Arizona. A larger conventional loan is considered a jumbo loan.
What is a conventional loan?
A mortgage that isn't insured or guaranteed by a government agency such as FHA, VA, or USDA. Most conventional loans follow Fannie Mae or Freddie Mac guidelines and are called conforming loans.
When do I have to pay PMI on a conventional loan?
Per the CFPB, PMI is usually required on a conventional loan when you borrow more than 80% of the home's price or value, and it can be removed later under federal rules.
How do I get rid of PMI?
You can ask your servicer to cancel it when your balance is scheduled to reach 80% of the home's original value, if you meet the requirements. It generally ends automatically at 78% or at the loan's midpoint.
Can I use a conventional loan for a second home or rental in Arizona?
Yes. Conventional loans can finance primary homes, second homes, and investment property. Requirements are usually stricter for second homes and investment property.
What's the difference between conforming and jumbo loans?
A conforming loan is within FHFA's limit ($832,750 for one unit in Arizona in 2026) and follows Fannie Mae or Freddie Mac rules. A jumbo loan is above the limit, and lenders set its guidelines.