Grants, forgivable loans, and subsidized mortgages — many Arizona buyers qualify for $20,000+ in assistance and don't even know it.
Find your programs →Click any program for full details, eligibility, and how to apply.
Up to 5% of mortgage for down payment and closing costs. Forgivable and non-forgivable options. Statewide.
DPA programHouse-hack eligible4% DPA plus below-market rate. First-time buyers under 80% AMI in rural Arizona counties.
DPA + rate discountGrant up to 10% of loan amount or $20,000 for buyers in 17 designated Arizona cities.
GrantUp to 6% DPA as forgivable second mortgage for Maricopa County buyers. Extra 1% for teachers, first responders, vets.
Forgivable loanDPA for Tucson and Pima County buyers. FHA, VA, USDA, and conventional eligible.
DPA program3.5% down payment with 580+ credit. The most popular first-time buyer loan in America.
Subsidized loanHouse-hack eligibleZero down payment, no PMI for eligible veterans and active-duty service members.
Federal benefitHouse-hack eligibleZero down payment for rural and suburban areas. 97% of US land qualifies.
Subsidized loan3% down with reduced mortgage insurance for low-to-moderate income buyers.
Subsidized loanHouse-hack eligible3% down with flexible funding sources including gifts and employer assistance.
Subsidized loanHouse-hack eligibleNo down payment, no closing costs, no PMI, below-market rate. Character-based lending.
Nonprofit programHouse-hack eligible50% off purchase price for teachers, law enforcement, firefighters, and EMTs.
GrantThere are 5 state-specific programs and 7 federal programs available in Arizona, totaling 12 programs.
Not all programs require first-time buyer status. Several Arizona programs are available to repeat buyers. 'First-time buyer' means you haven't owned a home in the past 3 years.
Yes. Many DPA programs allow 1-4 unit properties. Live in one unit and rent the others — this is called house-hacking.