FHA Loans Arizona | 3.5% Down Home Loans | Pillar Mortgage Group
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Low Down Payment Home Loans · Arizona

FHA Loans in Arizona: Buy With as Little as 3.5% Down

FHA loans make homeownership reachable across Arizona with a low down payment and flexible credit. If you have been renting and wondering if you can buy, this is often the answer.

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What is an FHA loan?

An FHA loan is a government-backed mortgage that lets buyers purchase a primary home with as little as 3.5 percent down and credit scores starting around 580. It is one of the most flexible ways to get into a first home.

Because the loan is insured by the Federal Housing Administration, lenders can offer easier qualifying than conventional financing, which makes FHA a strong fit for first-time buyers and anyone still building credit or savings across Arizona.

3.5% down
With 580+ credit
580 score
Flexible credit
Gift funds OK
Down payment can be gifted
Primary home
Owner-occupied

FHA loan requirements in Arizona (2026)

  • 3.5 percent down with a 580+ score; 10 percent down for scores between 500 and 579.
  • Primary residence only -- the home must be owner-occupied.
  • Mortgage insurance applies (an upfront premium plus a monthly premium).
  • Steady, documentable income and a manageable debt-to-income ratio.
  • Loan limits follow the FHA limit set each year for your Arizona county.
  • Gift funds from an eligible source are allowed for the down payment.

Is an FHA loan right for you?

FHA shines when your credit or down payment is the hurdle. If you have strong credit and more money down, a conventional loan may cost less over time because you can drop mortgage insurance sooner. We will run both side by side so the choice is based on real numbers, not a guess.

Why work with Pillar Mortgage Group

A broker, not a single bank.

We compare FHA against conventional and down-payment-assistance options to find your lowest true cost.

Fast pre-approvals.

In most cases we can issue a pre-approval the same day so you can make offers with confidence.

Communication first.

You will always know where your loan stands, what comes next, and exactly what numbers to expect.

Arizona-focused.

Local knowledge across Phoenix, Scottsdale, Tucson, and communities statewide.

FHA loan FAQ

How much do I need to put down?
As little as 3.5 percent with a 580+ score. Scores from 500 to 579 may qualify with 10 percent down.
What credit score do I need?
580 or higher for the 3.5 percent down option. FHA is one of the more forgiving programs for buyers still building credit.
Can I use gift funds?
Yes. Your full down payment can come from a documented gift from an eligible family member or source.
Do FHA loans have mortgage insurance?
Yes, an upfront premium plus an annual premium paid monthly. We will show how it affects your payment before you commit.
Are FHA loans only for first-time buyers?
No. They are popular with first-time buyers but available to repeat buyers too, as long as the home is your primary residence.

See what you qualify for.

Get a same-day pre-approval and a clear payment breakdown, so you know your budget before you start touring homes.

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Pillar Mortgage Group, LLC  |  9089 E Bahia Dr 101A, Scottsdale, AZ 85260  |  Company NMLS# 2700076  |  Arizona License MB-2009671
Equal Housing Lender. Pillar Mortgage Group, LLC conducts business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.
Not a commitment to lend. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. This page is for informational purposes only and is not an advertisement of specific rates or terms.
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