Are you a first-time homebuyer seeking your slice of paradise in Arizona? Look no further. This guide is your compass to uncovering affordable homeownership options in the enchanting Southwest. Delve into specialized assistance programs and resources crafted exclusively for Arizona residents. From tailored down payment assistance to favorable mortgage solutions, confidently navigate the Arizona real estate market.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| Up to 5% of the home loan that can be used for down payment assistance | Any homebuyer that can meet income requirements | Second mortgage | |
| Up to $20,000 in down payment and closing costs assistance | Any homebuyer that can meet credit score requirements | Grant |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Maricopa | Up to 5% of the home loan that can be used for down payment and closing costs assistance | Any homebuyer that can meet income requirements | Second mortgage | |
| Maricopa | Up to $22,000 in down payment and closing cost assistance | Resident first time homebuyer in Maricopa or Pinal County and can meet income requirements | Grant | |
| Pima | Up to 6% of home loan that can be used for down payment assistance | Any homebuyer that can meet credit score requirements | Forgivable second mortgage | |
| Pima | Up to $22,000 in down payment assistance | Any homebuyer that can meet income requirements | Second mortgage | |
| Pima | Up to 10% of home loan that can be used for down payment assistance | Any homebuyer that can meet income requirements | Second mortgage | |
| Pinal | Up to $22,000 in down payment and closing cost assistance | Resident first time homebuyer in Maricopa or Pinal County and can meet income requirements | Grant |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Avondale | Up to $30,000 in down payment assistance | First time homebuyers that can meet income requirements | Forgivable loan with a 0% interest rate | |
| El Mirage | Up to $10,000 in down payment and closing cost assistance | First time homebuyers | Not specified | |
| Flagstaff | Up to $15,000 in down payment and closing cost assistance | Resident first time homebuyers that can meet income requirements | Deferred loan | |
| Flagstaff | Up to $10,000 in down payment and closing cost assistance | Homebuyers that are currently employed by the city of Flagstaff for at least 1 year | Forgivale, deferred loan | |
| Mesa | Up to $5,000 in closing costs assistance and $40,000 in down payment assistance | Any homebuyer that can meet income requirements | Forgivable loan with a 0% interest rate | |
| Mesa | Up to $30,000 in down payment assistance or as a second mortgage | Any homebuyer that can meet income requirements | Deferred second mortgage | |
| Mesa | Up to $2,500 in down payment and closing cost assistance | Any homebuyer that can meet income requirements | Second mortgage | |
| Phoenix | Down payment and closing costs assistance - amount not specified | Any homebuyer that can meet income requirements | Grant | |
| Phoenix | Up to $15,000 in down payment and closing costs assistance | Any homebuyer that can meet income requirements | Forgivable loan with a 0% interest rate | |
| Tempe | Down payment and closing cost assistance loan | First time homebuyers that can meet income requirements | Loan with a 0% interest rate | |
| Tempe | Up to $22,000 in down payment assistance | First time homebuyers who meet income requirements and buy a Community Land Trust (CLT) home from Newtown | Grant | |
| Tucson | Up to 6% of home loan that can be used for down payment assistance | Any homebuyer that can meet credit score and property requirements | Forgivale loan |
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