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 April 23, 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
Available statewide in every county. No direct borrower application; program originates through AZIDA-approved lenders.
Source: homeplusaz.com
Arizona Is Home
Arizona Industrial Development Authority
Down payment and closing cost assistance paired with a first mortgage targeted to buyers in rural Arizona counties.
Paired with: Conventional, FHA, VA, USDA
- Primary residence only
- Homebuyer education required
Complementary to HOME Plus with rural-county focus.
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 purchase price, capped at $15,000.
Limited to households at or below 80% of area median income; first-time homebuyers only (no ownership in prior three years). 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)
Up to 4% of the loan amount in down payment and closing cost assistance as a forgivable second, paired with a fixed-rate first mortgage.
Lien forgiven over a short affordability period per program schedule; income and purchase price limits apply.
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)
$806,500 baseline
FHA
$524,225 floor
Most Arizona counties use the FHA floor limit.
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
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