Apache County, AZ FHA Loan Limits

Last Updated: Wed, January 2, 2019

FHA Loan Limits — Apache County, AZ

$314,827 1 Living-Unit
$403,125 2 Living-Units
$487,250 3 Living-Units
$605,525 4 Living-Units

Fannie/Freddie (Conventional) Loan Limits — Apache County, AZ

$484,350 1 Living-Unit
$620,200 2 Living-Units
$749,650 3 Living-Units
$931,600 4 Living-Units

HECM Loan Limits — Apache County, AZ

$726,525 All Home Sizes
2019 Arizona Standard Limits

Local Loan Limits — Apache County, AZ

Loan Limit Summary

Limits for FHA Loans in Apache County, Arizona range from $314,827 for 1 living-unit homes to $605,525 for 4 living-units. Conventional Loan Limits in Apache County are $484,350 for 1 living-unit homes to $931,600 for 4 living-units. The 2019 Home Equity Conversion Mortgage (HECM) limits in Apache County is $726,525. HECM limit does not depend on the size of the home.

FHA and conventional Loan limits vary based on the number of living-units on the property. FHA loans are only allowed on 1 to 4 living-unit properties. Apache County has standard limits which means loan limits are equal to the 2019 national floor.

FHA Home Appraisal in Apache County

To see if a home qualifies for an FHA loan, the property must be appraised by an approved FHA appraiser. Find FHA-approved appraisers in Apache County. If you need a home inspector, click here to find FHA-approved inspectors in Apache County.

VA Loan Limits in Apache County

VA Loans are not insured the same way FHA loans are. With VA loans the Department of Veterans Affairs guarantees the loan on the veteran's behalf. But there is still a cap. The VA uses the 1 living-unit FHA Loan Limit as its cap on VA Loan Liability. The 2019 VA Loan Limit for Apache County, AZ is $314,827.

To lean more about VA Loans and how to qualify, click here.

Additional Resources

How to qualify for an FHA Loan in Apache County, Arizona?

The minimum loan amount in Apache County is $5,000 dollars and may go up to $605,525 depending on home size and loan type. In order to qualify for an FHA loan, you must be planning to live in the home. Although a loan can include some renovation costs, FHA loans cannot be used for real estate investments in Apache County.

Additionally, your loan amount cannot exceed the value of home you are purchasing. Learn more about FHA Loan Requirements.

Cities and ZIP Codes in Apache County

The FHA Limits, HECM Loan Limits, and Conforming Loan Limits listed on this page apply to Apache County which includes the following cities: Window Rock, Chinle, Eagar, Saint Johns, Ganado, Fort Defiance, Springerville, Saint Michaels, Concho, Sanders, Teec Nos Pos, Many Farms, Vernon, Lukachukai, Rock Point, Tsaile, Houck, Red Valley, Alpine, Greer, Nutrioso, Lupton, Petrified Forest Natl Pk, and Chambers.

Apache County loan limits also apply to the following ZIP codes: 86515, 86503, 85925, 85936, 86505, 86504, 85938, 86511, 85924, 86512, 86514, 86538, 85940, 86507, 86545, 86556, 86506, 86544, 85920, 85927, 85932, 86508, 86028, and 86502.


Data sourced from the Department of Housing and Urban Development (HUD.GOV). If you notice an error on this page, please contact us.

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Source: https://fhaloans.guide/loan-limits/arizona/apache-county