Arizona Down Payment Assistance
Arizona Down Payment Assistance Programs
A guide to current down payment assistance options in Arizona, including the state Housing Finance Agency, well-known city and county programs, and live DPA mortgage pricing for Arizona homebuyers.
Arizona Housing Finance Agency
Arizona Industrial Development Authority (AZIDA)
AZIDA administers the primary DPA programs for Arizona. Program details below are current as of October 17, 2026 - confirm current terms directly with AZIDA before applying.
Statewide DPA Programs in Arizona
HOME Plus
Arizona Industrial Development Authority
Up to 4% of the first mortgage loan amount toward down payment and closing costs, paired with a 30-year fixed first mortgage.
Paired with: Conventional, FHA, VA, USDA
- Primary residence only
- Income: Borrower annual income up to $155,386 (effective April 6, 2026); statewide limit regardless of household size.
- Homebuyer education required
Soft second with no interest and no payments. Forgivable and non-forgivable options; the forgivable option is forgiven after 60 months and must be repaid on sale or refinance before then. Available statewide in every county through AZIDA-approved lenders.
Source: homeplusaz.com
Arizona Is Home
Arizona Industrial Development Authority
4% of the first mortgage as a 0% deferred second, paired with a below-market 30-year fixed first mortgage, for buyers in rural Arizona counties.
Paired with: Conventional (HFA Preferred / HFA Advantage), FHA, VA, USDA, HUD 184
- First-time homebuyer: Required
- Primary residence only
- Minimum FICO: 620
- Income: At or below 100% of area median income by county; see AZIDA schedule.
- Homebuyer education required
2026 funds are exhausted and the program is closed for the rest of 2026 (effective October 6, 2026); HOME Plus remains available. Non-forgivable; due on sale or refinance. Rural counties only; Maricopa and Pima are not eligible. First-time buyer rule waived for qualified veterans and targeted areas.
Source: homeplusaz.com
Major City & County Programs in Arizona
City of Phoenix Open Doors (First-Time Homebuyer)
City of Phoenix Housing Department · City of Phoenix, AZ
Down payment and closing cost assistance up to 10% of the purchase price as a 0% deferred loan, forgiven after an affordability period of up to 15 years.
Limited to first-time homebuyers at or below 80% of area median income; purchase price cap $470,250; home must be in the City of Phoenix. Eight-hour homebuyer education and counseling required. Program funds are not always open; check with the City.
Source: www.phoenix.gov
Pima Tucson Homebuyer's Solution
Pima County Industrial Development Authority · Pima County, AZ (including City of Tucson)
Multiple assistance levels, up to 100% of cash to close, as a forgivable second (grant for VA loans), paired with a 30-year fixed first mortgage.
Forgiven after 3 years, or 30 years under PTHS Advantage. Minimum FICO 640, max DTI 45%, income limits apply, no purchase price limit, and no first-time buyer requirement. Homebuyer education required.
Source: pimaida.org
Arizona Notes for Homebuyers
- Arizona uses deeds of trust; trustee sales are customary for foreclosure.
2026 Loan Limits in Arizona
Conforming (Conventional)
$832,750 baseline
FHA
$541,287
Standard FHA limit, applies to most Arizona counties.
Live DPA Pricing for Arizona
Pricing below is sourced live from hundreds of wholesale lenders for a Arizona scenario. Edit the inputs to match your situation.
FHA Down Payment Assistance
Up to 5% assistance; repayable second at first rate + 2% over 10 years
▸Program details
- ✓Minimum credit score: 580
- ✓Non-traditional credit also possible
- ✓Assistance up to 2.5%, 3.5%, or 5% of the lesser of purchase price or appraised value
- ✓Assistance can be used for down payment, closing costs, or both
- ✓Second lien: 10-year fixed, repayable
- ✓Second lien rate is 2% higher than the first mortgage rate
- ✓No first-time homebuyer requirement
- ✓No income cap
- ✓Purchase of primary residence only
- ✓Eligible properties: 1-unit residences, PUD, 2-4 units, FHA-approved condos, manufactured (single/double-wide)
- ✓DTI per AUS and FHA manual underwriting guidelines
- ✓First lien: FHA 30-year fixed
Assistance amount
Compare DPA options for Arizona with live pricing
Rate Direct pairs down payment assistance with live first-lien pricing so you see the combined monthly payment up front.