Arizona offers 34 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 8 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.
Maximum assistance available reaches $50,000 through the most generous program. Credit score requirements start as low as 600 for some programs. Most programs require the home to be your primary residence, and many require homebuyer education.
Arizona Housing Market at a Glance
Arizona's DPA market is anchored by the Arizona Department of Housing's Home Plus program (available in every county) and supplemented by local programs in Flagstaff, Sedona, Cottonwood, and Phoenix metro city programs. Typical assistance ranges from 2.5 to 5 percent of the loan amount, with high-cost workforce programs in Flagstaff and Sedona going up to $50,000.
Median Home Price
$440,000
Statewide, approximate 2026 Q1
Programs Available
34
Across Arizona statewide and local
Max Assistance
$50,000
Top single-program award
Top Down Payment Assistance Programs in Arizona
Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.
Home Plus Down Payment Assistance Program
verifyHome Plus
UP TO 4% of loan amount
Arizona Is Home Program
verifyArizona Dept of Housing
3%-7% DPA or UP TO (max 3%-7% DPA or UP TO $9,000 in some counties)
Open Doors Homeownership Program
verifyCity of Phoenix
UP TO 10% of purchase price
Home in Five Platinum Program
verifyIndustrial Development Authority of Maricopa County / Phoenix IDA
UP TO 4% of loan amount
Middle Income Down Payment Assistance (MDPA) Grant Program
verifyFederal Home Loan Bank of San Francisco (FHLBank SF) via participating member institutions (TruWest CU, Desert Financial CU, OneAZ CU)
UP TO $50,000
Pima Tucson Homebuyer's Solution
verifyPima County IDA
3%-5% for down payment/closing costs
Community Homebuyer Assistance Program (CHAP Flagstaff)
verifyCity of Flagstaff
UP TO $50,000
WISH Program (Workforce Initiative Subsidy for Homeownership)
verifyFederal Home Loan Bank of San Francisco (FHLBank SF) via participating member institutions (TruWest CU, OneAZ CU, Desert Financial CU, others)
4-to-1 matching grant UP TO $32,837 (2026 cap; $32,099 in 2025)
DPA by Arizona Metro
Median home prices and area median income differ across Arizona, which changes which programs make sense for each buyer.
Phoenix (Maricopa County)
- Median price
- $455,000
- 100% AMI (4 person)
- $97,600
Home Plus, Home in Five Platinum, Open Doors, and Phoenix city programs serve the largest Arizona metro.
Tucson (Pima County)
- Median price
- $335,000
- 100% AMI (4 person)
- $80,400
Pima Tucson Homebuyer's Solution and Pima IDA MCC combine with statewide Home Plus DPA.
Mesa
- Median price
- $445,000
- 100% AMI (4 person)
- $97,600
City of Mesa Homeownership Assistance Program offers up to $30,000 in local DPA.
Flagstaff
- Median price
- $620,000
- 100% AMI (4 person)
- $88,100
CHAP Flagstaff and Community Housing Assistance offer up to $50,000 to address extreme affordability pressure.
What DPA Looks Like for Real Arizona Buyers
Illustrative scenarios drawn from common buyer profiles. Actual eligibility and awards are determined by program administrators based on your documented income, credit, and property.
First-time buyer in Phoenix
- Household
- Couple, no dependents
- Income
- $90,000 combined
- Target Purchase Price
- $445,000
DPA Strategy
Home Plus 4 percent DPA grant (roughly $17,800 on a 97 percent LTV first mortgage) paired with Open Doors Homeownership Program for additional assistance up to 10 percent of the purchase price in eligible Phoenix census tracts.
Buyer closes FHA with minimal cash to close, holds cash reserves for AC and landscaping budget common in Phoenix starter homes.
Teacher in Tucson
- Household
- Single income, one dependent
- Income
- $72,000
- Target Purchase Price
- $335,000
DPA Strategy
Home Plus DPA (up to 4 percent of loan) combined with an Arizona MCC (Mortgage Credit Certificate) that returns 20 to 40 percent of annual mortgage interest as a federal tax credit (up to $2,000 per year) for the life of the loan.
Roughly $13,200 of DPA at closing, plus ongoing tax credit savings that can exceed $40,000 over a 30-year hold.
Workforce buyer in Flagstaff
- Household
- Family of three, high-cost market
- Income
- $85,000
- Target Purchase Price
- $580,000
DPA Strategy
CHAP Flagstaff up to $50,000 as a shared-equity or deferred loan, often layered with a state Home Plus grant for additional cash to close.
Buyer competes in a market where median home price approaches $620,000 despite moderate household income. Without CHAP, 20 percent down would be out of reach.
Scenarios are illustrative, not offers of credit. Your actual eligibility depends on full underwriting.
Grant Programs (8)
Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.
Middle Income Down Payment Assistance (MDPA) Grant Program
Federal Home Loan Bank of San Francisco (FHLBank SF) via participating member institutions (TruWest CU, Desert Financial CU, OneAZ CU)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80-140% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Grant — no repayment required
Additional Requirements
$10 million available in 2025; $11 million renewed for 2026; disbursed to member institutions on reimbursement basis; enrollment does not guarantee receipt of funds; first-come first-served
Notes
Must not have owned residential property in the last 3 years (HUD first-time homebuyer definition)
Community Housing Resources of Arizona (CHRA) Down Payment Assistance
Community Housing Resources of Arizona (CHRA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Not specified
Income Limits
Below 80% of Area Median Income (AMI); exception for certain Wells Fargo program income levels
Check AMI limits for your county →Repayment Terms
Varies by sub-program (grant or deferred loan)
Additional Requirements
Established 1987 as Fair Housing Organization; serves low-to-moderate income and minority households; 501(c)(3) nonprofit
Notes
First-time homebuyer required
WISH Program (Workforce Initiative Subsidy for Homeownership)
Federal Home Loan Bank of San Francisco (FHLBank SF) via participating member institutions (TruWest CU, OneAZ CU, Desert Financial CU, others)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
At or below 80% of HUD Area Median Income (AMI); TruWest specifies at or below 78% AMI
Check AMI limits for your county →Repayment Terms
Grant forgiven 20% per year; fully forgiven after 5 years of occupancy
Additional Requirements
$12 million available in 2025 program cycle (fully committed as of 2025); 2026 cycle being planned; 20% of grant forgiven per year of occupancy — fully forgiven after 5 years; funds limited and first-come first-served
Notes
Must be first-time homebuyer as defined by HUD
Down Payment Assistance
Confederated Tribes of Grand Ronde - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Arizona Dream Downpayment Initiative (ADDI)
Arizona Department of Housing (ADOH) via approved lenders
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Grant — no repayment required
Additional Requirements
Must be used with a Home Plus mortgage; eligible for FHA, VA, or Rural Housing 30-year fixed-rate mortgage
Notes
No home ownership in past 36 months; single-family housing only
Neighborhood LIFT Program
Neighborhood Housing Services of Phoenix (NHS Phoenix)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Area Median Income (AMI) limits apply; v...
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- No
Income Limits
Area Median Income (AMI) limits apply; varies by household size
Check AMI limits for your county →Repayment Terms
Grant — no repayment required
Additional Requirements
No income determination upfront; must meet with NHS pre-purchase counselor after purchase contract signed; subject to available funding
Notes
Buyer must be income-qualified; must have a 30-year fixed mortgage
Family Housing Resources HOME Down Payment Assistance Program
Family Housing Resources (FHR) of Arizona
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- $3,700
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Grant — no repayment required (subject to funding structure)
Additional Requirements
One-on-one housing counseling included; assistance with credit repair, budgeting, and loan selection provided
Notes
Targeted at first-time and low-to-moderate income buyers in Pima County
Housing Solutions of Northern Arizona Pre-Purchase Assistance
Housing Solutions of Northern Arizona
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
Depends on program funding structure
Additional Requirements
Counseling included
Forgivable Loans (7)
Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.
Pathway to Purchase Program (P2P)
Arizona Dept of Housing
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
0% second mortgage forgiven after 5 years
Notes
Occupancy requirement: 5 years
Home Plus Down Payment Assistance Program
Home Plus
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- $146,503 (varies by county)
- Min Credit Score
- 640+
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
Forgivable loan after 5 years
Notes
First-time and repeat buyers
Pima Tucson Homebuyer's Solution
Pima County IDA
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Income/debt ratio limits apply
- Min Credit Score
- 640+
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
Forgivable after 3 years or amortized over 30 years depending on option
Notes
No first-time buyer requirement. Max DTI: 45%
Home in Five Advantage Program
Maricopa County IDA
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- $153,440 (2025 limits)
- Min Credit Score
- 640+
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
Forgivable loan after a set period
Open Doors Homeownership Program
City of Phoenix
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest, forgivable after affordability period (typically 15 years)
Additional Requirements
HUD-certified education required
Notes
First-time buyers only. Occupancy requirement: 15 years (typical affordability period)
Home in Five Platinum Program
Industrial Development Authority of Maricopa County / Phoenix IDA
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- $141,820 maximum household income
- Min Credit Score
- 640+
- Property Types
- manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest forgivable second mortgage; forgiven over time with occupancy
Additional Requirements
Does not apply in Paradise Valley; must use an approved participating lender; Targeted Area reservations still open (~$8M remaining as of 2025)
Notes
First-time buyer required; exception for veterans and buyers in federally designated targeted areas
Chenoa Fund Down Payment Assistance
CBC Mortgage Agency (national nonprofit)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- No income limit
- Min Credit Score
- 600+
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Forgivable option: forgiven after 36 months of consecutive on-time payments on primary mortgage. Repayable option: 10-year term with monthly payment
Additional Requirements
Two options: Forgivable (DPA Edge) — interest-free second mortgage fully forgiven after 36 consecutive on-time payments; Repayable (DPA Advantage) — 10-year term with monthly payments; 18 months homeownership counseling through MMI included
Notes
Both first-time and repeat buyers eligible
Deferred Payment Loans (19)
Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.
Community Homebuyer Assistance Program (CHAP Flagstaff)
City of Flagstaff
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 150% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Pima IDA Mortgage Credit Certificate (MCC) Program
Pima County Industrial Development Authority (Pima IDA) / Community Investment Corporation (CIC Tucson)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies by household size and targeted ar...
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Income Limits
Varies by household size and targeted area status; set by Pima IDA annually
Check AMI limits for your county →Repayment Terms
N/A — tax credit, not a loan; credit stays even if refinanced
Additional Requirements
2025 Pima IDA MCC Program began June 25, 2025, expires December 31, 2027; file IRS Form 8396 annually; can carry credit forward up to 3 years if no tax liability
Notes
First-time buyer (no ownership in past 3 years); exception for veterans and targeted area purchases
Community Housing Assistance Program (CHAP)
City of Flagstaff
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Sedona Employer Assisted Housing Program
City of Sedona
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Sedona Workforce Homeownership Assistance Program
City of Sedona
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Fixed Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Cottonwood Employer Assisted Housing Program
Cottonwood
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Cottonwood Homeownership Program (CHP)
Cottonwood
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
City of Mesa Homeownership Assistance Program (HOA)
City of Mesa Housing and Community Development (HCD)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low- and moderate-income households (HUD limits apply)
Check AMI limits for your county →Repayment Terms
Deferred loan; repayable upon sale/transfer; forgiven based on affordability period
Additional Requirements
Minimum affordability period of 5 years; subsidy is a deferred loan based on Period of Affordability; HOME-funded program through HUD
Notes
No home ownership in past 3 years; must use as principal and primary residence
Avondale First-Time Homebuyer Program
City of Avondale
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Workforce Initiative Subsidy for Homeownership (WISH)
Housing Northern Arizona
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Home Purchase Assistance Option (HPAO)
Housing Northern Arizona
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Arizona Is Home Program
Arizona Dept of Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 120% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Interest Rate
0%
Repayment Terms
Deferred, 0% interest, terms vary by region
Notes
No home ownership in past 3 years
Arizona Mortgage Credit Certificate (MCC) Program
Arizona Housing Finance Authority (AzHFA) / Community Investment Corporation (CIC Tucson)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 115% of area median gross income (varies...
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
N/A — tax credit, not a loan
Additional Requirements
Cannot be combined with Mortgage Revenue Bond program; cannot be used for refinance; file IRS Form 8396 annually
Notes
First-time buyer (no ownership in past 3 years), or veteran, or purchasing in federally designated targeted area
Arizona is Home Mortgage Assistance - scraped with ai
Home Plus Arizona
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $481,176
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4, USDA-RD +3
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayment at sale or refinance
Home Plus Home Buyer Down Payment Assistance - scraped with ai
Home Plus Arizona
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayment at sale or refinance
Down Payment Assistance Program
City of Tucson
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $389,491
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Section 8 Home Ownership Program
Housing Authority of the City of Yuma
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Condominium, Single-Family, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Chenoa Fund FHA Down Payment Assistance Forgivable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Repayable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Note rate 1% above the first mortgage note rate
Repayment Terms
This loan does require a monthly payment on the second mortgage.
How to Apply for Down Payment Assistance in Arizona
-
1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
-
2
Contact the Program Administrator
Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
-
3
Get Pre-Approved with a Participating Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
-
4
Complete Homebuyer Education (If Required)
Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
-
5
Close & Move In
DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.
Frequently Asked Questions
What is the Home Plus program in Arizona?
Home Plus is the Arizona Department of Housing's statewide DPA program. It provides a grant of up to 4 percent (occasionally 5 percent) of the first mortgage loan amount, paired with a 30-year fixed first mortgage. Home Plus is the most widely used DPA in the state, available in every Arizona county, and is administered through participating approved lenders.
Can I use Arizona DPA for a mobile or manufactured home?
Most Arizona DPA programs allow manufactured homes only if they are permanently affixed, titled as real property, and meet HUD code standards. Double-wides on permanent foundations are generally eligible; single-wide and unsecured manufactured homes are usually excluded. Confirm program guidelines before making an offer.
How does the Arizona MCC differ from Home Plus?
An MCC (Mortgage Credit Certificate) is an ongoing federal income tax credit tied to your mortgage interest, not cash at closing. Home Plus delivers assistance at closing. The two can often be combined, meaning you can get upfront help plus a year-over-year tax benefit. MCCs require you to claim them on your annual tax return.
Do I need to live in the home as my primary residence?
Yes. Every major Arizona DPA program requires the property to be your primary residence, typically for at least the first few years of ownership. Vacation homes and investment properties are not eligible.
What is the WISH program in Arizona?
WISH (Workforce Initiative Subsidy for Homeownership) is a 4-to-1 matching grant offered through the Federal Home Loan Bank of San Francisco and member banks. For every $1 you save toward a down payment, WISH matches $4, up to the annual cap (currently about $32,837 for 2026). It is combinable with Home Plus in many cases.
Can I combine multiple Arizona DPA programs?
Yes, many Arizona buyers stack Home Plus with a local city program (such as Open Doors Homeownership in Phoenix or CHAP Flagstaff), and some also add an Arizona MCC for ongoing tax savings. Stacking rules vary, so work with a lender who is approved for all the programs you want to use.
Does Arizona have DPA for teachers and first responders?
Arizona does not run a separate teacher-only or first-responder-only statewide DPA, but teachers and first responders are fully eligible for Home Plus, the Arizona MCC, MDPA grants, and local city programs. In practice, most Arizona teachers and first responders use Home Plus plus an MCC for the largest benefit.
DPA Programs in Nearby States
Help Us Keep This Data Accurate
Know about a DPA program in Arizona that's changed, closed, or one we're missing? This directory is community-maintained. Your input helps thousands of homebuyers find the right programs.
Submit a Program Update →Get Your Free Arizona DPA Action Plan
Tell us about your situation and we will put together a personalized guide to the programs you may qualify for.
We are putting together your action plan.
Check your email for next steps. In the meantime, you can also schedule a free consultation.
Schedule a Free Consultation