HOA Dues and Mortgage Approval in Arizona 2026: How Much Buying Power They Cost You

Published on: 10/06/2026

Do HOA dues affect mortgage approval in Arizona? Yes. At 7.42%, every $100 a month in HOA fees cuts your loan amount by about $14,400. See the math. Pillar Mortgage Group.

Arizona Mortgage and Home Selling Guides

Straight answers on buying, refinancing, and selling a home in Scottsdale, Phoenix, and across Arizona, from Blake Hermann, Director of Lending at Pillar Mortgage Group (NMLS #2271358).

Conventional loans
FHA loans
VA loans
Jumbo loans
DSCR loans
Bank statement loans
Get pre-approved
Rates and fees

Book a 15 minute call