Down payment assistance in Arizona
57 programs are listed for Arizona: grants, forgivable loans, deferred seconds, first mortgage products and tax credits from state, county, city, tribal, nonprofit and regional providers. Every amount and rule below comes from the provider’s published terms.
57
Programs
16
Statewide
39
County and city
$50,000
Largest listed grant
Browse by county
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Statewide programs
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Forgivable 2nd mortgage 0% int, forgiven 5 yrs · Amount varies by program · Arizona IDA
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30-year fixed first mortgage + forgivable second-lien DPA · Up to 4% · Arizona Industrial Development Authority (AzIDA)
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Conventional HFA Preferred 30-year fixed + DPA · Amount varies by program · Arizona Industrial Development Authority (AzIDA)
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Conventional HFA Advantage 30-year fixed + DPA · Amount varies by program · Arizona Industrial Development Authority (AzIDA)
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FHA 30-year fixed first mortgage + DPA · Amount varies by program · Arizona Industrial Development Authority (AzIDA)
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VA 30-year fixed first mortgage + DPA · Amount varies by program · Arizona Industrial Development Authority (AzIDA)
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USDA RD 30-year fixed + DPA · Amount varies by program · Arizona Industrial Development Authority (AzIDA)
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Federal tax credit certificate · Amount varies by program · Arizona Industrial Development Authority / Community Investment Corporation
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DPA grant via Arizona Is Home partnership · Amount varies by program · Chicanos Por La Causa (CPLC)
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VA-guaranteed mortgage, zero down · Amount varies by program · U.S. Department of Veterans Affairs
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FHA-insured mortgage · Amount varies by program · U.S. Department of Housing and Urban Development
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Government-guaranteed mortgage for enrolled tribal members · Amount varies by program · HUD Office of Native American Programs
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Mortgage origination, DPA, homebuyer education · Amount varies by program · Native Partnership for Housing (Native CDFI)
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DPA layered programs and homebuyer education · Amount varies by program · Community Housing Resources of Arizona
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deferred_loan · Up to 4% · Arizona Department of Housing + Arizona IDA
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forgivable_loan · Up to $20,000 or Up to 10% · Arizona Department of Housing
County and city programs
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Forgivable 2nd · Up to $15,000 · City of Phoenix Housing Dept
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Forgivable 2nd 3-yr or 30-yr forgivable · Amount varies by program · Pima County IDA / City of Tucson
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Below-market 30-year fixed mortgage + non-forgivable DPA · Amount varies by program · Arizona IDA in partnership with Arizona Department of Housing
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30-year fixed + 5-year forgivable second mortgage DPA · Amount varies by program · Arizona Department of Housing (ADOH)
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Federal mortgage interest tax credit · Amount varies by program · Community Investment Corporation (CIC Tucson)
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30-year fixed + forgivable second mortgage DPA · Up to 6% · Maricopa County Industrial Development Authority (MCIDA) and Phoenix IDA
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30-year fixed + forgivable second DPA · Amount varies by program · Pima County / City of Tucson IDA (administered by eHousing+, CIC Tucson)
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Below-market 30-year fixed + DPA · Amount varies by program · Pima IDA / CIC Tucson
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Forgivable second mortgage · Amount varies by program · City of Tucson Housing & Community Development + Pima County (administered by CIC)
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Zero-interest deferred forgivable second loan · Amount varies by program · City of Phoenix Housing Department
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Discounted purchase of HUD-owned housing + grant · Amount varies by program · City of Phoenix Housing Department
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Soft second / forgivable loan for DPA and closing · Amount varies by program · City of Mesa Department of Housing & Community Development
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Community Land Trust - reduced purchase price (land in trust) · Amount varies by program · City of Chandler / Newtown CDC (Trellis)
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Deferred zero-interest forgivable loan · Amount varies by program · City of Tempe / Newtown CDC (Trellis)
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Repayable or shared-equity DPA · Amount varies by program · City of Flagstaff Housing Section + Housing Solutions of Northern Arizona
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Matching DPA grant · Amount varies by program · City of Flagstaff Housing Section
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4:1 matched DPA grant via FHLB San Francisco · Amount varies by program · Housing Solutions of Northern Arizona (HSNAZ)
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Community Land Trust (CLT) shared-equity homeownership · Amount varies by program · Newtown Community Development Corporation (Trellis)
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Sweat-equity homeownership; Habitat-financed affordable mortgage · Amount varies by program · Habitat for Humanity Central Arizona
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Sweat-equity homeownership; affordable Habitat-financed mortgage · Amount varies by program · Habitat for Humanity Tucson
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DPA referral/origination + counseling · Amount varies by program · ARC Arizona (HUD-certified housing counseling)
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Homebuyer education and DPA delivery · Amount varies by program · Old Pueblo Community Services (OPCS)
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Direct mortgage from USDA, payment subsidy · Amount varies by program · USDA Rural Development - Arizona State Office
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Guaranteed loan, zero down · Amount varies by program · USDA Rural Development (with private lenders)
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50% discount on HUD REO purchase · Amount varies by program · U.S. Department of Housing and Urban Development
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DPA, home purchase loans, mortgage payment assistance, rehab · Amount varies by program · Tohono O'odham Ki:Ki Association (TOKA)
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Mortgage lending, credit builder, DPA · Amount varies by program · Salt River Financial Services Institution (SRFSI) + SRPMIC Community Tribal Housing
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Home construction loans, homebuyer counseling, NAHASDA RHIP · Amount varies by program · Gila River Indian Community Department of Community Housing
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Homeownership, rehab grants, NAHASDA · Amount varies by program · Hopi Tribal Housing Authority (HTHA)
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Lease-purchase, homeownership, HIP rehab · Amount varies by program · White Mountain Apache Housing Authority
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Affordable housing development, NAHASDA homeownership · Amount varies by program · San Carlos Housing Authority (SCHA)
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Tribal revolving credit housing loans · Amount varies by program · CRIT Revolving Credit Department
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Workforce housing assistance · Amount varies by program · Mohave County Community Services
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Homebuyer counseling + DPA referral · Amount varies by program · CAHRA
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Community resource/referral program · Amount varies by program · City of Goodyear Neighborhood Services
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forgivable_loan · Up to $15,000 or Up to 10% · City of Phoenix Housing Department
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deferred_loan · Up to 20% · City of Tucson / Pima County
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forgivable_loan · Up to 4% · Community Investment Corporation (CIC Tucson)
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grant · Up to $32,837 · FHLBank San Francisco
Multi-state programs covering Arizona
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4:1 matching grant · Up to $32,837 · FHLB SF
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Grant for middle-income buyers · Up to $50,000 · FHLB SF
National programs
38 federal and national programs apply in every state. See the national programs.
Find your Arizona match
Tell Cal how to reach you and a licensed loan officer will narrow these 57 programs to the ones your income, county, and credit actually fit. No spam, no list-selling.