In 2026, the FHA loan ceiling for Valencia-West county of Pima, AZ is $356,362 for single-family homes. This amount rises to $456,275 for two units, $551,500 for three units, and $685,400 for four units.
For conventional loans, the top amount available for a single-family residence is $548,250. For two-unit homes, it's $702,000, for three-unit homes, it's $848,500, and for properties with four units, it's capped at $1,054,500.
Utilize our FHA calculator to access the best rates available today and to determine the necessary downpayment, income, credit requirements, reserves, and documentation for qualification.
The Lendersa® calculator allows you to juxtapose FHA rates & terms alongside other loan program options. Delve into comparisons of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, all measured against FHA products.
Lendersa® pulls data from thousands of lending institutions, providing a swift comparison tailored to your specific financial scenario and needs.
For the year 2026 in Valencia-West county, Pima, AZ, the Loan Limits Comparison Table displays maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze qualification criteria such as income, reserve funds, and credit requirements, utilize 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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