Surprise Homes with FHA New Financing

Welcome to Surprise, Arizona – a vibrant gem nestled in the heart of Maricopa County! Known for its warm climate, friendly community, and abundant recreational opportunities, Surprise is a city that truly has something for everyone. With its picturesque landscapes and a rich tapestry of cultural experiences, residents enjoy a perfect blend of suburban comfort and urban excitement.

Surprise boasts a variety of parks, golf courses, and outdoor activities that cater to families, retirees, and outdoor enthusiasts alike. The city is home to the popular Surprise Stadium, where you can catch exciting spring training games and enjoy various community events throughout the year. With a growing number of shopping centers, restaurants, and entertainment options, residents are never far from the action.

For those considering a move to this charming city, the availability of homes with FHA new financing options makes it easier than ever to invest in your dream home. FHA loans are designed to help first-time buyers and those with less-than-perfect credit secure financing with lower down payments and competitive interest rates. This means that whether you're looking for a cozy single-family home, a spacious townhouse, or a modern condo, Surprise offers an array of housing options that are accessible and affordable.

As you explore the neighborhoods of Surprise, you'll discover a welcoming community filled with friendly faces and a strong sense of belonging. With its beautiful homes and a lifestyle that encourages outdoor living and community engagement, Surprise, AZ is the perfect place to call home. Come and experience the charm of Surprise – your dream home awaits!

Newest Surprise Homes with FHA New Financing

12570 N Cotton Lane Unit 103940, Surprise

$599,900

6 Beds ⋅ 4 Baths ⋅ 7104617 MLS

Rare opportunity to own a newly built townhome-style duplex in a high-growth area with strong rental demand. Designed for low- maintenance ownership, this property includes HOA-covered services such as common area water, landscaping, garbage, clubhouse/pool access, internet, and smart home features. Buyer must use MAXX PM for property management.

12570 N Cotton Lane Unit 103940, Surprise

$409,995

3 Beds ⋅ 3 Baths ⋅ 7104550 MLS ⋅ 1,699 SqFt.

Ready in March with All in Pricing. The ONLY new homes near SURPRISE CITY CENTER! This thoughtfully designed home offers a functional and stylish layout. The heart of the home is the kitchen which features gorgeous WHITE SHAKER CABINETS with BLACK HARDWARE, striking NATURAL BACKSPLASH, DYNAMIC BEIGE CERAMIC TILE Flooring in all the right places! a flexible space that can easily function as a home office, study, PRIVATE FRONT PATIO features pavers and entry gate. This community features FANTASTIC AMENITIES such as HEATED COMMUNITY POOL, Green Belt, BBQ Grills, Playground, and Ramadas throughout. **All in Price includes no additional incentives, closing cost assistance or prepaid costs. Images are for illustrative purposes only. Home features, finishes, colors, and options, may vary.

13975 W Luke Parkway Unit 104, Surprise

$189,000

2 Beds ⋅ 1 Baths ⋅ 7104516 MLS ⋅ 796 SqFt.

Unit 248 at The Springs Condominiums,This turn-key 2 bedroom,796 square feet with a private balcony and in-unit laundry, fully furnished as a vacation rental and ready for immediate use.Use it as a personal residence, a seasonal getaway, or keep it producing income--professional property management is available if you'd rather have someone else handle the bookings. In-unit washer and dryer, laminate flooring throughout, and elevator access.Located in a well-maintained community with a heated pool and spa, clubhouse, putting green, shuffleboard, and on-site restaurant, minutes from Loop 303, Surprise Stadium, shopping, dining, and golf. HOA covers water, sewer, trash, roof, and exterior maintenance. Owner/Agent: A trustee and beneficiary of the selling trust is a licensed Arizona agent

12221 W Bell Road Unit 248, Surprise

$155,000

1 Beds ⋅ 1 Baths ⋅ 7104515 MLS ⋅ 576 SqFt.

Unit 148 at The Cliffs Condominiums in Surprise. This turn-key 1 bedroom is 576 square feet with a private balcony and in-unit laundry, ready for immediate use. It's fully furnished as a vacation rental, so you can move right in as a personal residence, a seasonal getaway, or keep it producing income. Professional property management is available if you'd rather have someone else handle the bookings. Located in a well-maintained community with a heated pool, spa, clubhouse, and greenbelts, just minutes from Loop 303, Surprise Stadium, shopping, dining, and golf. HOA covers covered assigned parking, water, sewer, trash, roof, and exterior maintenance. Owner/Agent: A trustee and beneficiary of the selling trust is a licensed Arizona real estate agent.

12123 W Bell Road Unit 148, Surprise

$125,000

1 Baths ⋅ 7104514 MLS ⋅ 459 SqFt.

Unit 336 at The Cliffs Condominiums in Surprise. This turn-key studio is 459 square feet with a private balcony and in-unit laundry, ready for immediate use. It's fully furnished as a vacation rental, so you can move right in as a personal residence, a seasonal getaway, or keep it producing income. Professional property management is available if you'd rather have someone else handle the bookings. Located in a well-maintained community with a heated pool, spa, clubhouse, and greenbelts, just minutes from Loop 303, Surprise Stadium, shopping, dining, and golf. HOA covers water, sewer, trash, roof, and exterior maintenance. Owner/Agent: A trustee and beneficiary of the selling trust is a licensed Arizona real estate agent

12123 W Bell Road Unit 336, Surprise

$569,245

4 Beds ⋅ 4 Baths ⋅ 7104512 MLS ⋅ 2,878 SqFt.

*Under Construction- December Completion* This plan offers an incredible amount of space all on one level, with almost 2,900 sq. ft. of living space and a highly sought-after 3-car garage across the front. Inside, you'll find a wonderful open floorplan along with a gorgeous gourmet kitchen designed for both style and entertaining, complete with stainless steel built-in appliances and neutral light wood cabinetry featuring 42-inch upper cabinets for exceptional storage. This thoughtfully designed floorplan truly maximizes every inch of space. Neutral finishes throughout with wood look tile flooring in all areas except for the bedrooms that have carpet. This home is in an all single level community!

17423 W Saguaro Vista Drive, Surprise

$429,999

3 Beds ⋅ 2 Baths ⋅ 7104510 MLS ⋅ 1,837 SqFt.

Fantastic Aqua floorplan on a fantastic corner lot! This beautifully designed home offers 3 bedrooms, 2 baths, and an abundance of storage. The gourmet kitchen is perfect for entertaining and features Whirlpool stainless steel appliances, including a built-in oven and microwave, 5-burner cooktop, range hood, and dishwasher, quartz counters and a full tile backsplash. The kitchen opens seamlessly to the spacious great room and dining area, creating a warm and inviting space for gatherings. The private primary suite features a walk-in shower, dual vanities, and a generous walk-in closet. With its thoughtful layout, stylish finishes, and wonderful lot, this home is a must-see! Backyard is roughly 45' deep! So many options in this size yard! Home will be complete for a January move-in

17279 W Sutherland Way, Surprise

$375,000

3 Beds ⋅ 2 Baths ⋅ 7104411 MLS ⋅ 1,552 SqFt.

Beautiful updated single-level home in desirable Ashton Ranch! Featuring 3 bed, 2 bath a spacious wide open floor plan with vaulted ceilings and generous backyard, this home offers comfort and style throughout. Stunning wood & tile flooring complement the inviting great room & kitchen featuring upgraded white cabinets, granite counters, stainless steel appliances, stylish backsplash, breakfast bar & pantry. The split primary suite offers privacy, a walk in closet, dual vanities & separate tub & shower. Additional features include an epoxy coated garage floor, update A/C (5 years new!). Enjoy the expansive covered patio, grassy backyard, dog run and gated side yard. Ashton Ranch offers a community pool & playgrounds with shopping, dining & entertainment nearby.

14834 N 150th Lane, Surprise

$425,000

4 Beds ⋅ 3 Baths ⋅ 7104395 MLS ⋅ 2,213 SqFt.

Welcome to the highly desirable, newly built Asante community! Built in 2024 by Taylor Morrison, this beautiful single-story home offers 4 bedrooms, 3 bathrooms, a separate den, and 2,213 sq. ft. of thoughtfully designed living space. The spacious great room flows into a well-appointed kitchen featuring a gas cooktop, large center island, walk-in pantry, and ample storage. The split primary suite offers a private retreat with dual vanities, a soaking tub, separate shower, and walk-in closet. Situated on a desirable corner lot, the home also features a covered patio and 2-car garage. Enjoy exceptional community amenities, including a heated pool, clubhouse, fitness center, playgrounds, and scenic walking and biking paths. Experience modern comfort and resort-style living in Asante!

25111 N 171st Lane, Surprise

$559,000

3 Beds ⋅ 3 Baths ⋅ 7104382 MLS ⋅ 2,379 SqFt.

Move in ready for the holidays! This is a beautiful single level, 2020 home with new paint and carpet priced to sell in the rapidly growing NW valley with close proximity to the 303. Enter the open, inviting floor plan with tiled main rooms, carpeted bedrooms, and many large windows creating plenty of light. The front entrance leads to an open kitchen/ living room perfect for entertaining , overseen by a private sparkling pool out back. The living room includes a brand new electric fireplace/TV stand that conveys with the house. 3 spacious bedrooms with an optional 4th bedroom or keep as a den, office, or guest space. The extra room has a large glass/wood dual sliding door entrance. The home has a split plan with the office and two bedrooms on one side and a large master bed/bath on the other. Master bath is separated from the bedroom by a large sliding barn door and includes dual sink vanities, a large bathtub, separate shower and separate private toilet with new smart toilet having auto flush, seat heater/light, and bidet. A large walk in closet adjoins the bathroom. The second main bathroom also includes a new smart toilet and renovated shower/vanity. A third half bath is located off the kitchen. The kitchen is very spacious with a large island, quarts counters, plenty of cabinetry above a stylish tile backsplash, a large walk in pantry, and includes a full set of appliances with a separate wine/drink refrigerator and bar area. The main refrigerator is recently fully serviced under home warranty. All other appliances are Electrolux, including an immaculate 1year old front load washer/dryer on pedestals in the oversized laundry room which has its own standing sink. All rooms have fans and electric, remote operated window coverings. The spacious garage is oversized 2-3 car capacity, off the laundry area with epoxy floor covering. The home has a soft water system and additional reverse osmosis filter under the kitchen sink. The back yard is completely landscaped with a covered patio bordered by extended pavers and a wall separating the pool's filter system. A lemon and orange tree are planted, already bearing fruit off a widened east side of the house that has ample room for a garden, additional trees, or storage. The front and back yard plants are fully serviced by irrigation drip line on an automatic timer. The home is boarded on the west by greenbelt access leading to nearby sand volley ball court, also providing separation from the adjacent home. It is also located right across the street, center stage from Almeria Park which has a large greenbelt and playground area, creating an open view with a rare private setting not often found in developments. Come walk the property at your convenience and see if it calls you home!

14298 W Chama Drive, Surprise

15240 N 142nd Avenue Unit 1154, Surprise

$285,000

3 Beds ⋅ 3 Baths ⋅ 7104309 MLS ⋅ 1,493 SqFt.

Welcome to Townsquare at Sierra Verde, a gated community in the heart of Surprise! This inviting home offers a thoughtfully designed floor plan with tile flooring throughout the main living areas and a well-appointed kitchen featuring granite countertops, stainless steel appliances, ample cabinetry, a walk-in pantry, and a center island with a built-in wine fridge. The main level includes a bedroom with a walk-in closet and a full bathroom with a step-in shower, offering flexibility for guests or a home office. Upstairs, the spacious primary suite features a walk-in closet, dual vanities, and a step-in shower, while an additional bedroom, full bathroom, and conveniently located laundry room with cabinetry and folding counter complete the upper level. Enjoy a private entrance patio accessible from the dining area and the convenience of a two-car garage. Community amenities include a pool, spa, fitness center, playground, and walking paths. Conveniently located near shopping, dining, parks, and entertainment, this home offers a wonderful blend of comfort and convenience!

15240 N 142nd Avenue Unit 1154, Surprise

$344,900

3 Beds ⋅ 2 Baths ⋅ 7104306 MLS ⋅ 1,520 SqFt.

Beautiful 3 Bedroom, 2 Bath, Single Level Home Located in Litchfield Manor Community, Kitchen w/Appliances Included, Eat-In Kitchen Dining Room, Breakfast Bar, Open Great Room, Master Bedroom w/Walk-In Closet, Master Bathroom w/Dual Sinks & Walk-In Shower, Fresh Interior Paint and New Flooring in 2026, Covered Backyard Patio, Professionally Landscaped Front & Backyard, 2 Car Garage.

15165 N 138th Lane, Surprise

Start Your Search

Copyright 2026 Arizona Regional Multiple Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Arizona Regional Multiple Listing Service. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Arizona Regional Multiple Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

Surprise Homes with FHA New Financing

Newest Surprise Homes with FHA New Financing

How much is your home worth?

How much is your home worth?