For most Arizona buyers, the down payment is the single biggest barrier to homeownership. Down payment assistance closes that gap by pairing a normal first mortgage with a second source of funds that covers some or all of what you would otherwise bring to closing. In Arizona, that second source is usually a forgivable second lien, which means the balance shrinks over time and disappears entirely once you have lived in the home long enough.
The programs on this page fall into two buckets. Statewide programs like HOME Plus are available in every Arizona county, from the Phoenix metro to rural communities. Local programs, such as the Pima Tucson Homebuyer’s Solution, are limited to a specific county but often layer additional benefits on top for the buyers who qualify. A licensed loan officer can tell you which combination gives you the most help for the loan type you choose — FHA, VA, USDA, or conventional.
Assistance is calculated as a percentage of your loan amount, so it scales with the home you buy. Five percent on a Phoenix-area purchase frequently works out to more than $20,000 toward closing. Because the money is structured as forgivable, you are not adding a permanent monthly payment the way a traditional second mortgage would.
A note on the numbers below: where a program is described as 0% interest, that describes the down payment assistance second lien (the assistance program itself), not the interest rate on your first mortgage. Some programs offer an optional rate buydown; whether one applies depends on the program and your qualification. Nothing here is a commitment to lend — contact us for current rates and APR. Programs, terms, and availability are subject to change without notice, and not all borrowers will qualify.