2025 Loan Limits Are Here: What Buyers Need to Know
New year, new opportunities! The 2025 FHA and Conventional Loan Limits have been released, and they’re higher than ever in many areas. Whether you’re buying your first home, upgrading, or investing, understanding these limits can help you make the right financial decisions.
FHA Loan Limits in Arizona
FHA loans are a great choice for buyers with lower down payments or less-than-perfect credit. Here are some highlights for Arizona:
Maricopa and Pinal Counties: $546,250 for 1-unit properties.
Flagstaff (Coconino County): Highest in the state at $563,500 for 1-unit properties.
Most other counties: $524,225 for 1-unit properties.
FHA loans are perfect for buyers looking to finance a home with more flexible credit requirements and lower down payments.
Conventional Loan Limits
For buyers looking for higher-value properties, Conventional Loan Limits have also increased:
Baseline Limit (1-unit properties): $806,500.
High-Cost Areas: Up to $1,209,750 for 1-unit properties.
These limits make it easier to purchase your dream home without requiring a jumbo loan, even in competitive markets.
Whether you’re exploring FHA or conventional financing, knowing the limits helps you plan your next move confidently.
📞 Let’s discuss your options for 2025!
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