In 2026, the FHA loan limit for Phoenix county within Maricopa, AZ stands at $530,150 for single-family homes. For a two-unit property, it is $678,700; for three units, the limit is $820,350; and for four-unit structures, it reaches $1,019,550.
The maximum permissible amount for conventional loans on a single-family home is $726,200. The cap for two-unit residences is $929,850, for three-unit homes it's $1,123,900, and for four units, it stands at $1,396,800.
Our FHA calculator is a valuable tool for discovering today’s favorable FHA rates and identifies the necessary downpayment, income, credit score, reserves, and documents required for securing a loan.
With the Lendersa® calculator, compare FHA rates and terms with those of a range of other loan programs. This includes exploring Conventional loans, Jumbo packages, VA, USDA, Non-QM, and hard money loans, together with FHA offerings.
By obtaining comprehensive data from thousands of lenders, Lendersa® provides quick, customized comparisons based on your specific financial profile.
Review the Loan Limits Comparison Table for 2026 in Phoenix county, Maricopa, AZ, which outlines maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for an in-depth analysis of eligibility criteria such as income, reserves, and credit requirements.
| 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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