Posted by 2025 Arizona Conventional Loan Limit is $806,500 (for single family 1 unit homes). This marks the 9th year in a row Conventional Mortgage limits have increased.
The most common 2025 Arizona Conventional loan limit is $806,500. This is the max Conventional loan amount for a single family 1 unit home in a non-high cost area). However, different and higher 2025 Conventional loan limits exist for 2, 3 and 4 unit homes in all areas as well as for 1 unit homes located in “high cost areas” of the Country.
Why Arizona Conventional Loan Limits Matter
2025’s Conventional Loan Limit increase to $806,500 continues a 9 year trend. In fact, prior to 2017’s ice breaking loan limit hike, Conventional loan limits stalled at $417,000 (2006 to 2017).
This re-established higher loan amount trend supports healthy Real Estate. In fact, 2025’s $806,500 limit is the strongest signal of that in years. This matters as most consumers do not pay cash for their home AND JUMBO loans are harder to qualify for than Conventional.
According to the National Association of Realtors (NAR) 88% of all recent buyers used a home loan to buy their home. NAR also found that 97% of recent home buyer’s under age 38 mortgaged their home purchase.
88% of recent buyers financed their home purchase. 97% of buyers 38 years and younger financed. 61% of all buyers used conventional loans to finance their home.
National Association of Realtors Research Group, April 2019
Rising home values synced with Conventional loan limits grant more home-buyers greater access to affordable Conventional home loan products. Conventional home loans offer lower down payment options and more flexible underwriting than JUMBO mortgages (JUMBO home loan is a loan greater than the max Conforming Loan Limit for a given area).
Max Conventional Loan Amounts 2000 to 2025
- 2000 – $252,700
- 2001 – $275,000
- 2002 – $300,700
- 2003 – $322,700
- 2004 – $333,700
- 2005 – 359,650
- 2006 – $417,000
- 2007 through 2016 – no change
- 2017 – $424,100
- 2018 – $453,100
- 2019 – $484,350
- 2020 – $510,400
- 2021 – $548,250
- 2022 – $647,200
- 2023 – $726,200
- 2024 – $766,550
- 2025 – $806,500