VA Loan Limits in Arizona (2026)
For 2026, the VA county loan limit for most Arizona counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Arizona has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Arizona — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Arizona
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Maricopa County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Pima County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Pinal County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Yavapai County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cochise County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Navajo County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Apache County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Gila County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Santa Cruz County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Graham County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| La Paz County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Greenlee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Mohave County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Yuma County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Coconino County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Arizona's median home price is roughly $430,000. With $0 down and no PMI, an example VA payment near that price is about $3,043/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Arizona
The VA home-loan benefit lets eligible Arizona veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Arizona for 2026?
- With full entitlement, none. For partial entitlement, most Arizona counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Arizona require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.