VA Loan Limits in Apache County, Arizona (2026)
From Apache County, the 2026 VA county loan limit in Apache County is $832,750 (one unit) for partial-entitlement borrowers. It is the national conforming baseline.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $832,750 |
| Two-unit (duplex) | $1,066,150 |
| Three-unit (triplex) | $1,288,800 |
| Four-unit (fourplex) | $1,601,650 |
What can you buy with $0 down in Apache County?
A VA buyer near Apache County can put $0 down on a $469,000 home. Add the one-time funding fee (~$10,084, financed), skip mortgage insurance entirely, and the monthly cost runs about $3,309 at 6.25%.
$0-down VA payment scenarios in Apache County
VA payments in Apache County at three price points — all $0 down with the funding fee rolled in:
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $338,000 | $0 | $2,417 |
| Local median — $469,000 | $0 | $3,309 |
| Higher-end — $633,000 | $0 | $4,425 |
Estimates include the financed funding fee plus Arizona property taxes and insurance — but no monthly mortgage insurance, because VA loans never charge it. Rates move daily near Apache County too — get alerts.
VA multi-unit limits in Apache County
Thinking multi-unit near Apache County? VA allows up to $1,066,150 on a duplex and $1,601,650 on a fourplex in Apache County for partial-entitlement borrowers — and owner-occupants still put nothing down.
Be First to Know When VA Rates Move
Free to join in under 30 seconds. Get notified when it is time to act on your VA benefit.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the VA loan limit in Apache County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Apache County is $832,750 (one unit), $1,066,150 (duplex), $1,288,800 (triplex), and $1,601,650 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Apache County?
- Eligible veterans can buy with no down payment at all. On a median $469,000 Apache County home that is $0 down, with a one-time funding fee of about $10,084 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Apache County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is Apache County a high-cost VA county?
- No — Apache County uses the $832,750 national conforming baseline for partial entitlement.