In 2026, the FHA loan ceiling for Surprise county, within Maricopa, AZ, is laid out as follows: $530,150 for a single-family residence, $678,700 for properties with two units, $820,350 for those with three units, and $1,019,550 for four-unit homes.
For conventional loans, the maximum you can borrow for a single-family house is $726,200. For a property with two units, the limit is $929,850, for three-unit homes it's $1,123,900, and for properties with four units, the cap is $1,396,800.
Utilize our FHA calculator to explore the current optimal FHA rates. It aids in determining the necessary down payments, income, credit requirements, reserves, and documentation for eligibility.
The Lendersa® calculator provides a thorough comparison of FHA rates and terms with a wide range of other loan programs. Examine and contrast Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
With access to extensive data from thousands of lenders, Lendersa® evaluates these options quickly according to your specific financial situation and needs.
The Loan Limits Comparison Table for 2026 in Surprise county of Maricopa, AZ allows comparisons of maximum loan limits across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a deeper dive into qualification requirements like income, reserves, and credit status, employ the 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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