Updated 07/2025
Arizona continues to attract new residents with its warm climate, stunning landscapes, and relatively affordable cost of living. As of 2025, the state’s population has grown to approximately 7.58 million, up from 7.15 million in the 2020 census—a gain of over 430,000 people, according to the U.S. Census.
That growing population continues to buy homes in Arizona, making it a solid investment choice. If you’re also in the market for a home, a conventional loan, also known as a conforming loan, might be your best bet.
What Is A Conforming Loan?
A conforming loan is a conventional mortgage that meets the dollar limits and underwriting standards set by the Federal Housing Finance Agency (FHFA). These loans are eligible for purchase by Fannie Mae and Freddie Mac. The FHFA adjusts conforming loan limits annually to reflect changes in home prices.
In 2025, the limit in Arizona is $806,500 for a single-family unit, and $1,032,650 for 2-unit properties. This type of loan typically offers a lower interest rate than other mortgages.
Conforming loan requirements
To qualify for a conforming loan, you’ll need a credit score of at least 620, a debt-to-income (DTI) ratio below 50% and a minimum 3% down payment. Your DTI shows how much money you owe each month to how much you earn. In other words, it’s the percentage of your gross monthly income that pays your rent, mortgage, credit cards, debt, and other expenses.
You’ll also need a loan-to-value ratio of as high as 97% for a 1-unit primary residence. This ratio assesses your lending risk before you’re approved for a mortgage.
It’s important to note that private mortgage insurance, also known as PMI, might be required for your conventional loan. Especially if you make a down payment of less than 20% of the home’s purchase price. This kind of insurance protects the lender if you default on your payments. People typically pay for their PMI with a monthly premium.
2025 Arizona Conforming Loan Limits
A loan limit is the maximum amount of cash that a homebuyer can borrow from a lender using a loan. For your reference, we’ve listed the Arizona conforming loan limits for 2025 by county. This information is from the Federal Housing Finance Agency of the U.S. Department of Housing and Urban Development (HUD).
Apache County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Cochise County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Coconino County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Gila County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Graham County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Greenlee County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
La Paz County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Maricopa County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Mohave County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Navajo County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Pima County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Pinal County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Santa Cruz County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Yavapai County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Yuma County Conforming Loan Limits
One-Family: $806,500
Two-Family: $1,032,650
Three-Family: $1,248,150
Four-Family: $1,551,250
Loans that are greater than the limit of $806,500 are classified as jumbo loans. They will usually have higher rates than loans at or below the conforming loan limit. These limits, however, do not determine how much money you can borrow. This figure is based on a buyer’s gross monthly income and current credit and debt commitments.
Let AZCCU Help Secure Your Next Home
If you’re considering purchasing a home in Arizona, it’s essential to understand your financing options. A conforming loan may offer favorable terms, but if your desired property exceeds the loan limits, a jumbo loan could be necessary.
See what you qualify for by contacting Arizona Central Credit Union. We can help you take the next steps in getting a conventional loan. Plus, we might even take away some of the stress that comes with home buying. Don’t wait to settle into your next dream home.
If you have any questions, contact AZCCU online or call (866) 264-6421.
