In the year 2026, the FHA loan limit for Payson, located in Gila, AZ, is $472,030 for single-family homes. The limit rises to $604,400 for two-unit properties, $730,525 for buildings with three units, and reaches $907,900 for those with four units.
Conventional loan maximums are set at $726,200 for single-family houses, with limits advancing to $929,850 for two-unit homes, $1,123,900 for triplexes, and $1,396,800 for four-unit structures.
Our FHA calculator can help you identify today's top FHA rates, as well as calculate the required down payment, income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms against those of other loan programs such as conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans.
With data from thousands of lenders, Lendersa® swiftly compares these options against your unique financial needs and situation.
The Loan Limits Comparison Table for 2026 in Payson, county of Gila, AZ, provides a comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For assessing qualification criteria like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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