In 2026, the FHA loan limit in Mesa county within Maricopa, AZ is $530,150 for a single-family home, $678,700 for two-unit properties, $820,350 for three-unit buildings, and $1,019,550 for four-unit residences.
The maximum amount allowed for conventional loans on a single-family residence is $726,200. For a 2-unit home, it's $929,850, for properties with 3-units, $1,123,900, and for those with four units, $1,396,800.
Utilize our FHA calculator to check today’s top FHA rates and to determine downpayment, income, credit, reserves, and document requirements for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By accessing data from thousands of lenders, Lendersa® can promptly compare it against your financial profile and needs.
Check out the Loan Limits Comparison Table for 2026 in Mesa county, Maricopa, AZ. It compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an analysis of qualification criteria like income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $530,150 | $678,700 | $820,350 | $1,019,550 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $353,200 | $353,200 | $353,200 | $353,200 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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