For 2026, the FHA loan limit in Rio-Rico county, which is in Santa Cruz, AZ, is set at $356,362 for a single-family property, $456,275 for dual-unit homes, $551,500 for three-unit homes, and $685,400 for those with four units.
The highest loan amounts permitted for conventional loans are defined as follows: $548,250 for a single-family house, $702,000 for two-unit residences, $848,500 for three-unit homes, and $1,054,500 for four-unit structures.
Utilize the FHA calculator to find competitive FHA rates today and calculate the needed downpayment, income level, credit score, reserves, and documentation necessary for qualification.
Lendersa® calculator makes it easy to compare FHA rates and terms with those of other loan programs. Investigate options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Access to loan program data from a multitude of lenders allows Lendersa® to quickly compare it with your financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Santa Cruz, AZ offers an analysis of maximum loan amounts across categories like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For more insights into qualification needs such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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