In 2025, the FHA loan limits in Scottsdale county of Maricopa, AZ are established at $530,150 for a single-family home. For two-unit residences, the limit is $678,700, for three-unit homes, it is $820,350, and for four-unit properties, the cap is $1,019,550. These varied limits ensure flexibility across different housing types, accommodating diverse needs within the community.
The maximum amount available through conventional loans for a single-family residence is $726,200. For two-unit homes, it's $929,850. For properties with three units, the limit increases to $1,123,900, and it extends to $1,396,800 for four-unit buildings. These defined limits aid potential buyers in gauging their eligibility and the scale of available funding under conventional loan programs.
We encourage you to use our FHA calculator for accessing today’s most competitive FHA rates. This invaluable tool will assist in determining key aspects such as necessary downpayments, income assessments, credit score requisites, reserve levels, and documentation needed to qualify effectively. Preparedness in these areas is crucial for prospective homebuyers to streamline their path toward acquiring an FHA loan.
The Lendersa® calculator offers a robust means of comparing FHA loan rates and terms with a wide selection of other loan programs. Delve into explorative comparisons involving Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, besides FHA options, to identify the best fit for your financial aspirations.
Harvesting comprehensive data from an extensive network of thousands of lenders, Lendersa® delivers rapid, insightful comparisons tailored to your unique financial profile and needs, making lender-selection more streamlined and informed.
Refer to the detailed Loan Limits Comparison Table for 2025 in Scottsdale county, within Maricopa, AZ, where FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans’ maximum amounts are contrasted. For a thorough understanding of what particular qualification requirements like income, reserves, and credit involve, turn to Lendersa® Super Loan Integrated Qualifier (SLIQ™), enhancing your preparedness to meet the eligibility standards in place.
| 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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