Santa Cruz Homes with FHA New Financing

Santa Cruz Homes with FHA New Financing

Welcome to Santa Cruz County, located in the beautiful state of Arizona! Nestled in the southern part of the state, Santa Cruz County offers a unique blend of natural beauty, rich history, and a vibrant community.

With its breathtaking landscapes and mild climate, Santa Cruz County is a haven for outdoor enthusiasts. The county is home to several national parks and forests, including Coronado National Forest and Patagonia Lake State Park, where residents can enjoy hiking, camping, fishing, and bird-watching. The Santa Cruz River also runs through the county, providing opportunities for water activities and picnicking along its banks.

Santa Cruz County has a diverse range of housing options, catering to different budgets and preferences. Whether you're a first-time homebuyer or looking to upgrade, the county offers a variety of properties to choose from. One notable feature of the housing market in Santa Cruz County is the availability of homes with FHA New Financing. This means that buyers can take advantage of the benefits offered by the Federal Housing Administration (FHA) when purchasing a home, such as lower down payment requirements and more flexible credit criteria.

In addition to its natural beauty and housing options, Santa Cruz County is also known for its rich cultural heritage. The county is home to several historic sites and museums, showcasing the region's Native American, Spanish, and Mexican influences.

If you're looking for a place that combines natural beauty, affordable housing, and a vibrant community, Santa Cruz County in Arizona is the perfect destination. Explore the real estate options and discover the charm of this hidden gem in the Southwest.

Newest Santa Cruz Homes with FHA New Financing

$250,000
3 Beds ⋅ 2 Baths ⋅ 7061027 MLS ⋅ 1,380 SqFt.
**GET A LENDER 2/1 BUYDOWN WITH BUILDERS LENDER OR HOME QUALIFIES FOR 0% USDA DOWN PAYMENT!** Make this beautiful 2026 new construction home your own! Featuring 3 bedrooms, 2 bathrooms, modern finishes, and beautiful views. Buyers who go under contract during the construction phase may have the opportunity to select certain fixtures, colors, and finishes to personalize their new home. Don't miss this incredible opportunity to create a home that reflects your style. **Photos are from a model home used to showcase floorplan!**

1852 La Paz Court, Rio Rico
$235,000
3 Beds ⋅ 2 Baths ⋅ 7055500 MLS ⋅ 1,368 SqFt.

1854 Circulo Mexicali --, Rio Rico
$245,000
3 Beds ⋅ 2 Baths ⋅ 7055494 MLS ⋅ 1,380 SqFt.

1803 Salvador Court, Rio Rico
$250,000
3 Beds ⋅ 2 Baths ⋅ 7054892 MLS ⋅ 1,352 SqFt.
Wake up to breathtaking mountain views in this stunning brand-new 2026 construction! This property may qualify for USDA 0% down financing or a 2/1 interest rate buydown through the builder's preferred lender (buyer qualification and lender terms apply). This beautifully designed home offers 3 bedrooms, 2 bathrooms, and a spacious 1-car garage, all situated on a generous .57-acre lot in a peaceful cul-de-sac. Enjoy the perfect balance of privacy and convenience with quick freeway access just minutes away. Estimated completion is mid-August, making now the perfect time to secure your new home. Photos are for floor plan and layout purposes only. Model homes are available for viewing.

1783 Alamos Court, Rio Rico
$225,000
3 Beds ⋅ 2 Baths ⋅ 7054636 MLS ⋅ 1,368 SqFt.

165 Colima Court, Rio Rico
$235,000
3 Beds ⋅ 2 Baths ⋅ 7053968 MLS ⋅ 1,381 SqFt.
A Place Where Desert Dreams Come True Picture this: You pull up the driveway as the Arizona sun begins its golden descent behind the mountains. The desert stretches out before you--quiet, vast, and entirely yours. Nearly half an acre of possibility awaits, where the rhythm of desert life moves a little slower and the views are simply unforgettable. Step through the front door and into a home that feels like it's been waiting just for you. The living room welcomes you with vaulted ceilings that seem to reach toward the sky, while a wood-burning fireplace stands ready to cast its warm glow on cool desert evenings. You can already imagine curling up here with a good book, the crackle of the fire your only companion.

1202 Calle Remedios --, Rio Rico
$210,000
3 Beds ⋅ 2 Baths ⋅ 7042402 MLS ⋅ 1,503 SqFt.
This spacious 3 bedroom,2 bathroom townhouse is the best-priced unit in the community. It features a great room with a cozy fireplace and an extensive covered patio perfect for indoor-outdoor living. Enjoy Resort-style amenities, including a large pool and spa. Located just across the community you have access to walking trails & fitness center. Minutes away from freeway, shopping and restaurants.

1164 Circulo Canario --, Rio Rico
$699,000
3 Beds ⋅ 2 Baths ⋅ 7038014 MLS ⋅ 1,749 SqFt.
Breathtaking mountain views on this impressive 40-acre property now on the market! This rare horse property offers endless possibilities for livestock, workshops, and future growth. Nestled within this expansive land is a charming 1,749 sq ft home NEW ROOF, NEW HVAC featuring Saltillo tile, a spacious living-dining room, an ample kitchen, three bedrooms, and two bathrooms. The home is ready for your personal touch and creative vision, while the grounds include a barn, storage shed, corral, horse stalls, 3,500 Gallon Water Tank and unforgettable sunsets over the mountains. Discover the exceptional potential and value this unique property has to offer!

76 Mustang Ranch Road, Elgin
$265,000
2 Beds ⋅ 2 Baths ⋅ 7037876 MLS ⋅ 750 SqFt.
Escape the heat and discover one of Southern Arizona's best-kept secrets. Incredible opportunity in the heart of Patagonia - perfect as an income property, weekend getaway, or full time retreat. Steps from the Paton Center for Hummingbirds and an easy stroll to downtown shops and restaurants, this fully remodeled 2 bed / 2 bath home is truly turn key. Enjoy high ceilings, new flooring, Milgard windows, hot water heater and upgraded insulation, plumbing and electrical. Relax on the spacious front porch and experience Patagonia's cooler climate, natural beauty and small town charm. Move right in or begin generating rental income immediately. For additional flexibility and investment potential, ask about the adjacent vacant lot at 371 Pennsylvania which may be available for separate purchase. Seller is awaiting county confirmation the official recording of the lot split from 371 Pennsylvania. This updated listing and price includes the single lot and home at 367 Pennsylvania. Please ask the listing agent for more details on purchasing both lots as a package. Don't miss this opportunity to enjoy the Patagonia lifestyle and easy living at about 4,000 feet elevation.

367 Pennsylvania Avenue, Patagonia
$749,500
4 Beds ⋅ 3 Baths ⋅ 7026842 MLS ⋅ 3,057 SqFt.
Two-story Santa Fe home in Sonoita Wine Country on 4.78 acres w/panoramic Mountain views! The 3,057 sq. ft. split-level offers 4 BR/3 BA, 2+ car garage & outbuilding(s). Main level (1,882 sq. ft.) features a Great Room, dining area w/private patio, U-shaped kitchen, large pantry, laundry to garage, high ceilings w/viga beams, & French doors to a balcony. Primary suite has spacious bath & oversized closet; 2nd BR/study has private exterior access. Lower level adds 1,175 sq. ft. family room, wet bar, 2 BR, full bath, storage & covered patio/gazebo--ideal for guests, studio, office or B&B. Paved-road access. Providing easy access to all the amenities & attractions that Sonoita's wine country has to offer. (Watch out for the deer/wildlife while driving in.) Welcome to your new home! Santa Fe Home in Sonoita Wine Country Nestled in the heart of wine country, this two-story Santa Fe home is situated on 4.78 acres of rolling ranch grassland. Surrounded by the Huachuca, Whetstone, Mustang, Santa Rita, and Empire Mountains, ensuring breathtaking views from every angle. Home Features Spacious 3,057 square feet split-level floor plan, this residence offers four bedrooms, and three bathrooms. The ground level, encompassing 1,882 square feet, includes a Great Room, Dining Area with private patio, and a "U"-shaped kitchen with a large pantry, the large laundry room adjoins the two+ car garage. Custom viga beams, high ceilings, and Double French doors lead to scenic balcony views, creating an inviting and open atmosphere. The Primary Suite features a roomy bathroom and a huge closet, while the second bedroom can serve as a study, with private exterior access. Lower-Level Amenities A circular stairwell descends to an additional 1,175 square feet of living space. This area is ideal for use as a bed and breakfast, studio, office, or guest suite. The lower level features a Family Room with built-in shelves, wet bar, double doors to a covered patio with sweeping valley views and a gazebo, two bedrooms, a full bathroom, and a spacious understairs storage room. The versatility of this floor is a significant bonus, offering countless possibilities for use. Location This ranch home is conveniently located on paved roads, providing easy access to all the amenities and attractions that Sonoita's wine country has to offer. (Watch out for the deer/wildlife while driving in.)

98 Paint Trail, Sonoita
$575,000
4 Beds ⋅ 4 Baths ⋅ 7024436 MLS ⋅ 3,579 SqFt.
Perfectly perched in the middle of the best views in Santa Cruz county. Come see for yourself the paradise you've been dreaming of. Offered by the original owners that have been enjoying this lovely home for the last 34 years. Incredible care has been taken to keep this custom home in pristine condition. One of the only properties in the southern end of the state that has acreage, a pool/ spa, solar, VIEWS!!!!!, a workshop with its own heating, cooling, and plumbing, built in Murphy beds... the list goes on and on. Come see it and make it your forever home.

428 Camino Canoa --, Rio Rico
$1,000,000
5 Beds ⋅ 6 Baths ⋅ 7000934 MLS ⋅ 6,016 SqFt.
This unique 3,765 sq.,ft., gated estate, situated on a 1.65-acre lot, offers luxurious living with a private pool, built in Barbecue grill, stunning views and 2 detached guest homes 1 Bed rm., 1 Bath rm., Inside main home vaulted ceilings, enjoy marble counter tops in kitchen and bathrooms, 2 master suites, custom built in bookshelves, and a formal dining area, making it perfect for family gatherings. Ample covered and uncovered parking throughout, room for your RV and all your oversized motorized toys. With potential of rental income, or Airbnb no HOA.

1756 N Old Patagonia Road, Nogales
Start Your Search

All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.