$0 Down · No PMI · Veteran-Owned
VA Loans in Arizona
Arizona is home to nearly half a million veterans and four major installations — Luke Air Force Base in the West Valley, Davis-Monthan in Tucson, Fort Huachuca in Sierra Vista, and MCAS Yuma. Add year-round sun and no-nonsense cost of living outside metro Phoenix, and Arizona is one of the most popular VA-loan states in the West.
473K
Arizona Veterans
4
Military Installations
$0
Down Payment
$832,750
2026 Baseline Limit
Why Arizona
A VA team that knows Arizona’s military markets
Phoenix's West Valley — Glendale, Peoria, Surprise — grew up around Luke AFB's F-35 mission, and VA buyers compete well here because sellers know VA offers close. In Tucson and Sierra Vista, prices sit below the national median, so full entitlement easily covers the market.
Luke AFB trains every F-35 pilot in the Air Force, keeping the West Valley in constant PCS rotation. Davis-Monthan's A-10 and rescue missions anchor south Tucson, Fort Huachuca runs Army intelligence and NETCOM from Sierra Vista, and MCAS Yuma hosts Marine aviation's premier training ranges. Each installation supports a distinct housing market with steady military demand.
Beyond the Loan
More Arizona benefits you earned
The VA loan is one piece of what Arizona owes its veterans. Here’s the rest of the stack — worth real money every year:
Income Tax
Military retirement untaxed
Arizona fully exempts military retirement pay from state income tax.
Vehicle
Veteran & DV plates
Veteran and disabled-veteran plates available; vehicle license tax exemption for qualifying 100% disabled veterans.
Education
Tuition waiver
Tuition waivers at state universities and community colleges for Purple Heart recipients and certain disabled veterans.
Recreation
Hunting & fishing
Complimentary licenses for qualifying 100% disabled resident veterans.
Benefit rules and amounts change with each legislative session — confirm current details with the Arizona Department of Veterans' Services. When you work with us, we walk through which of these apply to your purchase and your budget.
Official VA Data
Arizona VA lending, by the numbers
16,871
VA Loans Closed (FY2025)
$7.0B
VA Dollars Guaranteed (FY2025)
$417K
Average VA Loan
473,375
Veterans in AZ
Arizona veterans closed 16,871 VA loans in fiscal year 2025 — 9,949 of them home purchases — and the VA paid $3.5 billion in disability compensation and pension to Arizona veterans in FY2024. Every veteran receiving that compensation is exempt from the VA funding fee.
Sources: VA Loan Guaranty loans-by-state report, FY2025 · VetPop2023 state projections (NCVAS) · VA Geographic Distribution of Expenditures, FY2024.
Bases We Serve
Military installations in Arizona
Every installation below anchors a housing market our team lends in — PCS moves, first purchases on BAH, and buy-then-rent strategies included.
2026 BAH Rates
Compare BAH across Arizona’s installations
BAH is set per housing area, not per state — and it counts as qualifying income on a VA loan. Here’s how Arizona’s duty stations compare at key pay grades.
| Installation | E-4 | E-5 | E-6 | E-7 | O-3 |
|---|---|---|---|---|---|
| Luke Air Force Base | $2,061 | $2,289 | $2,457 | $2,475 | $2,490 |
| Davis-Monthan Air Force Base | $1,695 | $1,905 | $2,121 | $2,145 | $2,199 |
| Fort Huachuca | $1,569 | $1,719 | $2,193 | $2,217 | $2,232 |
| MCAS Yuma | $1,551 | $1,695 | $1,845 | $1,917 | $2,049 |
2026 monthly BAH, with dependents, from official DoD (DTMO) rate data. Click any installation for all 24 pay grades, without-dependents rates, and a payment-vs-BAH estimator for that housing area.
2026 Program Facts
What the VA loan gets you in Arizona
$0 Down Payment
Buy with no down payment on loans within your entitlement — the signature VA benefit.
No PMI
VA loans never charge monthly private mortgage insurance, keeping payments lower than FHA or low-down conventional.
Competitive Rates
The VA guaranty lets lenders price VA loans below comparable conventional rates for most borrowers.
Flexible Credit
The VA sets no minimum credit score — guidelines focus on residual income and the whole picture.
Limited Closing Costs
The VA restricts which fees veterans can be charged, and sellers may pay all of them plus concessions.
Reusable for Life
VA entitlement is a lifetime benefit — it can be restored and reused, and you can hold more than one VA loan at once.
VA loan vs. conventional in Arizona
| Feature | VA Loan | Conventional |
|---|---|---|
| Down payment | $0 required | 3–20% (20% to avoid PMI) |
| Monthly mortgage insurance | Never | Required under 20% down |
| Minimum credit score | None set by VA | Typically 620+ |
| Interest rates | Typically below conventional | Higher without large down payment |
| Upfront fee | Funding fee 2.15% first use (waived with disability rating) | None |
| Prepayment penalty | Never | Rare, but possible |
| Loan limit | None with full entitlement | $832,750 baseline (2026) |
| Assumable by a buyer | Yes — VA loans are assumable | Generally not |
2026 VA loan limits in Arizona
With full entitlement, the VA does not cap your loan amount — county loan limits only apply when you have reduced entitlement (an existing VA loan or a prior default). For reduced-entitlement borrowers, the 2026 baseline county limit is $832,750, and designated high-cost counties range up to $1,873,675.
The VA funding fee, plainly
- First use, under 5% down: 2.15%
- Subsequent use, under 5% down: 3.30%
- With 5% down: 1.50% · with 10% down: 1.25%
- Streamline refinance (IRRRL): 0.50%
Veterans receiving VA disability compensation at any rating are fully exempt from the funding fee, as are eligible surviving spouses and Purple Heart recipients on active duty.
Where We Lend
Arizona cities we serve
From base-gate communities to the metros veterans choose after service, these are the Arizona markets where our VA lending is most active.
- Phoenix~$410K
- Glendale~$407K
- Peoria~$486K
- Surprise~$420K
- Tucson~$326K
- Sierra Vista~$303K
- Yuma~$298K
- Mesa~$435K
Typical home values: Zillow Home Value Index, 2026-06.
Straight Answers
Arizona VA loan questions, answered
Is there a VA loan limit in Arizona?
Not with full entitlement. With reduced entitlement, every Arizona county uses the 2026 baseline limit of $832,750 — comfortably above the typical Phoenix, Tucson, or Yuma purchase price.
Can I buy near Luke AFB with $0 down?
Yes — Glendale, Peoria, Surprise, and Buckeye are all standard VA territory. The West Valley's inventory of newer single-family homes is exactly what the VA appraisal process handles smoothly.
Is Sierra Vista a good VA loan market?
One of the best in the state. Fort Huachuca dominates the local economy, prices are well below the national median, and a large share of Sierra Vista sales close on VA financing, so agents and sellers know the process.
Can I use my VA loan on a home with a pool in Arizona?
Absolutely. Pools are standard in Arizona and are fine under VA appraisal rules as long as the property meets the VA's Minimum Property Requirements.
Does the Arizona heat affect VA appraisals?
No, but the VA's Minimum Property Requirements do require functioning cooling appropriate to the climate — a dead HVAC unit in an Arizona summer will be flagged for repair before closing.
Ready When You Are
Start your Arizona VA loan with a team that’s worn the uniform
Get a clear pre-approval, honest numbers, and a VA process handled by people who understand PCS timelines and military life firsthand.