FHA VS Conventional loan programs in Avra-Valley, Pima County, Arizona

In the year 2026, the Conventional loan cap in Avra-Valley, situated in the county of Pima, AZ, is set at $647,200. On the other hand, the FHA limit for a single-family home is $420,680.

With the Lendersa® Conventional loan calculator, you can evaluate today's top rates for Conventional, FHA, and USDA loans and figure out the necessary income, credit, reserves, and required documents to qualify. Using our advanced mortgage calculator, you can view Conforming Conventional loans, USDA, FHA, and VA options side by side to help decide the best program in AZ for your financial needs.

Explore loan offers from 100 lenders

Loan Limits and Downpayment Requirements in Avra-Valley, Pima, AZ for 2026

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table is applicable to the zip codes: 85653

Options for Conventional and FHA Loans in Avra-Valley, AZ

The primary goal of Lendersa® is to quickly and easily get you the best available Conventional, USDA, or FHA loans. Choose one of three initial steps which lead to compatible lenders and loan programs.

Results of Lendersa's USDA loan requests and matches


Avra-Valley Lenders

  • Hughes Federal Credit Union
  • 971 W. Wetmore, Tucson, AZ, 85705
  • Lends in Arizona
  • A member of the Tucson community since 1952, Hughes Federal Credit Union is dedicated to enriching the financial lives of the people and community we serve. This commitment extends to our employees as well. Named #1 Credit Union in Arizona by Forbes, Hughes serves over 157,000 members with $1.8 billion in assets and is growing every day.

  • Pima Federal Credit Union
  • 3730 N. Stone Ave, Tucson, AZ, 85705
  • Lends in Arizona
  • Pima Federal Credit Union since In 1951, sixteen teachers pooled together $84 in deposits and founded our credit union with the common purpose of helping people. To this day, our common purpose still exists. We’re here for our members and we thrive by delivering on our value promise of Smart. Simple. Personal

  • Edwards Financial Services
  • 215 West Giaconda Way, Suite 107, Tucson, AZ, 85704
  • Lends in Arizona
  • Edwards Financial Services, matching people with the right types of loan packages is what we do. We'll start you out with an in-depth consultation, getting the information we need so we can get to work for you. Based on your financial situation, we'll discuss the different options with you and explain the characteristics of each.

  • TOPCU - Tucson Old Pueblo Credit Union
  • 2500 E 22nd St, Tucson, AZ, 85713
  • Lends in Arizona
  • Tucson Old Pueblo Credit Union opened its doors in 1935 with 19 members and $30.75 in assets. Established by Tucson firefighters & City employees, TOPCU was originally located at Fire Station #1 in downtown Tucson. Through the years TOPCU has expanded services & its field of membership to become an important part of Tucson’s financial marketplace.

  • Westar Mortgage & Realty
  • 1775 W Wimbledon Way, Tucson, AZ, 85737
  • Lends in Arizona
  • WESTAR® has arranged funding of thousands of residential and commercial loans, plus subdivisions throughout Arizona in Tucson, Green Valley, Nogales, Sierra Vista, Douglas, Benson, Yuma, the Phoenix area, Flagstaff, Bullhead City, Show Low, Casa Grande, Arizona City, and Apache Junction.

  • Armor Investment Co
  • 177 N. Church Ave, Tucson, AZ, 85701
  • Lends in Arizona
  • Armor Investment Company in October 0f 1981. Back then interest rates for FHA/VA Loans were hovering in the 18-20% range. I noticed that seasoned notes and mortgages were being cashed in by worried investors. These notes bearing 6-8% interest were being discounted to yield investors 20-25% interest. Wow! That caught my attention.

  • Blue Sky Mortgage, Inc.
  • 2229 East Hedrick Drive, Tucson, AZ, 85719
  • Lends in Arizona
  • Blue Sky Mortgage, Inc. is a full service mortgage broker providing real estate financing anywhere in Arizona. Richard has a BS degree in Mechanical Engineering from the University of California at Davis. Originally from New York, Richard’s first involvement in real estate was in California in the early 1970′s.

  • Hotchkiss Financial, Inc.
  • 1945 East Mabel Street, Tucson, AZ, 85719
  • Lends in Arizona
  • We have very competitive Interest Rates. Our loans are customized to fit the borrower's needs. Because we are a small company, we can follow every detail of your transaction. We will keep you informed regarding the loan progress, from start to finish. We have access to a large network of investors. We have a wide variety of products

  • Elite Lending Group
  • 4570 North 1st Avenue, Suite 110, Tucson, AZ, 85718
  • Lends in Arizona
  • At Elite Lending Group, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process so that you can confidently select the best mortgage for you.