The line between "conventional" and "jumbo" financing is set annually — and it matters a great deal in a market like Scottsdale, where a meaningful share of homes sell above that line. Here's how the limit works and why it's worth confirming the current figure before you assume anything about your own financing.
The conforming loan limit is the maximum loan amount that Fannie Mae and Freddie Mac will purchase or guarantee, set annually by the Federal Housing Finance Agency. Loans above that amount fall outside conventional conforming guidelines and require jumbo financing instead.
For 2026, the conforming loan limit for Maricopa County (which includes Scottsdale) is $832,750. This figure is set annually and has changed in most recent years, so treat any number you see — including this one — as accurate as of when it was published, not as a permanent figure. Confirm the current limit directly with your lender before relying on it for a specific transaction.
Between the standard conforming limit and true jumbo territory sits a middle tier called high-balance conforming financing — loans above the baseline limit but still within Fannie Mae/Freddie Mac guidelines for high-cost areas. Above the high-balance ceiling, financing moves into full jumbo underwriting.
Scottsdale's price points mean many purchases sit right around or above these thresholds — understanding which tier your loan falls into affects down payment requirements, qualification guidelines, and which lenders are the right fit for your transaction.
Not sure which tier your purchase falls into? Mortgage Broker Scottsdale will confirm the current limits and walk through your specific financing — reach out to get started.
No obligation. A private discussion about your financing, on your timeline.