Arizona FHA Loan Guide: Requirements, Limits, and Benefits

FHA Loan Basics for Arizona Buyers

FHA loans are insured by the Federal Housing Administration and are designed for buyers with lower credit scores or smaller down payments. You can put as little as 3.5% down with a credit score of 580 or higher.

FHA vs Conventional in Arizona

FHA loans work well for buyers with credit scores between 580–640. Above 640, conventional loans often offer better rates and no upfront mortgage insurance premium. Your lender can run both scenarios to see which works best for your situation.