Arizona Down Payment Assistance Programs
Access up to $20,000 in grants and deferred loans to buy your Arizona home
Up to $20,000
Pathway To Purchase grant
4% Deferred
Home Plus 3-year assistance
640 Min Score
Accessible credit requirements
Arizona State Programs
Arizona Industrial Development Authority (Arizona IDA)
Assistance Amount
Up to 4% of your initial mortgage balance. The exact amount depends on your mortgage type.
Program Structure
- 3-year deferred second mortgage
- No interest
- No monthly payments
- Only repay if you sell or refinance within 36 months
How It Works
Funds can be applied to both down payment and closing costs. After 3 years, the loan is forgiven if you haven't sold or refinanced.
Eligibility Requirements
Credit Score
Minimum 640
Income Limit
Maximum $136,609 annual household income
Education
Must complete homebuyer education course
Property
Primary residence in Arizona
Loan Types
FHA, VA, USDA, Conventional
Important Note
If you stay in your home for 3 years without selling or refinancing, you never have to repay this assistance. It's essentially a grant after 3 years.
Arizona Department of Housing • 17 Designated Cities
Assistance Amount
Up to 10% of your loan amount, with a maximum of $20,000. This is a true grant that never needs to be repaid.
Program Structure
- Grant (no repayment required)
- Can be used for down payment or closing costs
- Available in 17 designated Arizona cities
Eligible Cities
Eligibility Requirements
Credit Score
Minimum 640 FICO
Purchase Price Limit
Maximum $371,936
Loan-to-Value (LTV)
First mortgage must be 95% or less
Debt-to-Income (DTI)
Maximum 45%
Loan Type
30-year fixed-rate only
Property Type
Existing homes, condos, townhouses (no new construction)
Requirements
- • Homebuyer education course
- • Home inspection required
- • Cannot own other property
First-Time Buyer
Not required
Best Program for Phoenix Metro
If you're buying in Phoenix, Mesa, Scottsdale, Tempe, Chandler, Gilbert, or other designated cities, this $20,000 grant is one of the best DPA programs in Arizona.
National Programs Available in Arizona
In addition to Arizona state programs, you can also access these nationwide options
3.5-5% FHA Assistance
- Minimum 600 credit score
- No income limits
- Forgivable or repayable options
Fannie Mae Conventional
- Secondary financing from nonprofits/employers
- Conventional loan eligible
- Down payment and closing cost help
Ready to Buy Your Arizona Home?
Let us help you access up to $20,000 in down payment assistance
Licensed in Arizona • NMLS #1767357 • Free consultation