Arizona buyer question
Can I use an FHA loan to buy a condo in Arizona?
With a condo, the building has to qualify along with you. Here's how to check that before you fall for a unit.
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 Pam Messina at Rebel Rate Mortgage. Once you're pre-qualified, Pam can update the maximum monthly payment and total funds to close in your home search, so the homes you see match what you qualify for. If you'd like, she can also give you a free, no-obligation introduction to a real estate professional so you can start touring homes.
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Applications are handled by Pam Messina, NMLS #245626, Rebel Rate Mortgage, Inc. (NMLS #2571369).
The short answer
Quick answer: Yes, if the condo project is FHA-approved or the unit qualifies for HUD's Single-Unit Approval. Search HUD's FHA-approved condominium list by city or project name. If it isn't listed, a lender can request Single-Unit Approval for a completed project with at least five units that meets HUD's FHA concentration, owner-occupancy and financial rules.
Source: HUD, FHA Condominiums and FHA-approved condominium search (retrieved November 5, 2026). Last updated .
Two paths to an FHA condo loan
| Path | When it applies | Key HUD rules |
|---|---|---|
| FHA-approved project | The whole project is on HUD's approved list and its approval is current | The project met HUD's Handbook 4000.1 approval rules, including insurance, financial condition, title and pending litigation |
| Single-Unit Approval | The project isn't FHA-approved | Complete and ready for occupancy, at least five units, not manufactured housing; FHA-insured units limited to 10% of a project with 10 or more units, or two units in a smaller project; the lender submits Form HUD-9991 |
Sources: HUD FHA Condominiums page; HUD FHA Connection condominium help; HUD Single-Unit Approval Required Documentation List.
How to check a building
- Open HUD's condominium search, choose Arizona, and search by city, ZIP code or project name.
- Check the status and expiration date. Approvals lapse if the association doesn't recertify.
- If it isn't listed, or the approval expired, ask your loan officer whether the unit could qualify for Single-Unit Approval.
- Confirm the home is legally a condominium. Some Arizona "townhomes" are in planned communities, not condos, and condo rules don't apply. The recorded declaration and plat tell you which.
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.
The HOA documents that matter
For Single-Unit Approval, HUD's checklist asks for the completed HUD-9991 questionnaire, the recorded CC&Rs, the board-approved budget, recent income and expense statements and balance sheet, master hazard, liability and fidelity insurance, the unit owner's walls-in (HO-6) coverage, flood map documentation, and an explanation of any litigation. Arizona's Condominium Act (A.R.S. §33-1260) already requires the seller or association to give you many of the same items within ten days after your offer is accepted: the budget, the latest financial statement, the reserve study if there is one, insurance certificates, pending lawsuits and any special assessments. Ask for them early, since a problem here can stop an FHA loan.
Budget for the condo's full monthly cost
A condo payment includes the association dues and any special assessment, plus walls-in insurance, on top of principal, interest, taxes and FHA mortgage insurance. Those dues often cover the building's master insurance and exterior upkeep, which a house owner pays separately. See what HOA dues cover and how mortgage insurance works.
A free account shows every home for sale that fits the monthly payment you're comfortable with, each with its real property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own closing cost estimate and APR disclosure.
Searching is free, and we never sell your information or pass it to other lenders or marketers. Only Rebel Rate Mortgage, Inc. contacts you, and only about your own search.
Related: Arizona FHA loans and 2026 limits · HOA fees at closing · can an HOA raise dues? · flood insurance · more questions.
General information about HUD rules, not a loan offer or a commitment to lend. FHA eligibility depends on the borrower, the unit and the project. HUD's handbook and current mortgagee letters control.
What clients say about Rebel Rate Mortgage
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Ready to see what fits your monthly budget?
Search Arizona homes with each home's property taxes, HOA dues, and insurance built into the estimated payment. We never sell your information or pass it to other lenders or marketers. Only Rebel Rate Mortgage, Inc. contacts you.
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.
Prefer to talk it through? Pam Messina, NMLS #245626
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Sources
- U.S. Department of Housing and Urban Development, FHA Condominiums (project approval and Single-Unit Approval) (retrieved November 5, 2026)
- U.S. Department of Housing and Urban Development, FHA-approved condominium search (retrieved November 5, 2026)
- HUD FHA Connection help, Condominiums (Single-Unit Approval: at least five units, FHA concentration limits, Form HUD-9991) (retrieved November 5, 2026)
- HUD, FHA Single-Unit Approval Required Documentation List (retrieved November 5, 2026)
- Arizona Revised Statutes §33-1260 (condominium resale disclosures: budget, reserve study, insurance, pending lawsuits) (retrieved November 5, 2026)
Frequently asked questions
How do I know if an Arizona condo is FHA-approved?
Search HUD's FHA-approved condominium list by state, city, ZIP code or project name, and check that the approval hasn't expired.
Can I get an FHA loan on a condo that isn't FHA-approved?
Possibly, through HUD's Single-Unit Approval. The project must be complete, have at least five units, not be manufactured housing, and meet HUD's concentration, owner-occupancy and financial rules.
What is the FHA concentration limit for Single-Unit Approval?
For a project with 10 or more units, no more than 10% of units can have FHA-insured mortgages. For a project with fewer than 10 units, no more than two.
What HOA documents will the lender need?
Typically the HUD-9991 questionnaire, recorded CC&Rs, budget and financial statements, insurance certificates, flood map documentation, and details of any litigation.
Are Arizona townhomes condos?
Not always. Many are in planned communities rather than condominiums. The recorded declaration and plat show which, and that decides whether condo rules apply.