VA loans in Phoenix.
This guide covers buying a home in Phoenix, with local records and budgeting checks to use alongside your VA loan review. The Maricopa County FHFA figure is a county reference, not an address-based lookup. Confirm the property's county and permitting jurisdiction before relying on it.
Maricopa County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Maricopa County (FIPS 04013)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Maricopa County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Phoenix. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionPhoenix permits marked SHAP have moved to SHAPE PHX
Phoenix's PDD Online search accepts an address, permit type and number, or project information. The results include status and inspection history. Its migration notice matters: a permit with status SHAP has moved to the SHAPE PHX application, and the City supplies a portal link to view its details.
For a pool, patio enclosure or addition, check the record in the system identified by that notice. Do not treat SHAP as final approval or assume the old screen contains the complete file. Compare the work described by the seller with the permit scope and inspection results. Ask Planning and Development about a missing or ambiguous record before deciding whether further investigation is needed.
Ask Phoenix Floodplain Management about the specific structure
Phoenix Floodplain Management maintains information and development requirements for the City's Special Flood Hazard Areas. The City says elevation certificates for properties in those areas are available on file at its Floodplain Management Office. Its page also links an elevation certificate map, county floodplain maps and rainfall gauge information.
Check whether a certificate exists for the home you are considering and share any available record with your lender and insurance agent. Ask staff about planned additions or repairs where floodplain requirements may apply. The office works by appointment, so make contact early in your purchase investigation. Neither this guide nor a map lookup establishes the property's insurance premium, flood safety or loan eligibility.
- FHFA: conforming loan limit values
- City of Phoenix: permit information search and SHAPE PHX notice
- City of Phoenix: floodplain management and elevation certificates
- VA: home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
Owner-occupied 2–4 units are eligible.
VA allows purchases up to four units as long as you occupy one of them. Whether any projected rental income counts toward your qualifying ratios is a lender and VA underwriting decision, not an automatic allowance. The one-unit county value above is still the figure used in entitlement calculations on a 2–4 unit property.
Run the house-hack calculatorVA loan programs available in AZ.
$0 down in Phoenix. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of AZ veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Phoenix, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Phoenix purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Phoenix — answered.
It means the permit has moved to SHAPE PHX. Use the City's linked portal to view the details and inspection history; the migration status is not confirmation that work passed final inspection.
Contact the City's Floodplain Management Office or use the certificate map linked from its page. Ask whether a record exists for the specific property; do not assume every home has one.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Phoenix is Maricopa County (FIPS 04013), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Phoenix with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Phoenix — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.