Arizona · DPA program

Arizona IDA HOME Plus

Up to 5% — forgivable option available

Up to 5% of mortgage for down payment and closing costs. Forgivable and non-forgivable options. Statewide.

Arizona's Home Plus provides up to 5% of the loan amount as a three-year forgivable DPA. Stay in the home three years and the entire amount is forgiven. Arizona's short forgiveness timeline is among the most buyer-friendly in the country.

AmountUp to 5% — forgivable option available

TypeDPA program

Available inArizona

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

Available in every county, city, and zip in Arizona. Funding never runs out.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

Arizona Is Home 4% DPA + below-market rate

Arizona (rural) · DPA + rate discount

Pathway to Purchase $20,000

Arizona (select cities) · Grant

Home in Five Advantage Up to 6% forgivable — 7% for heroes

Maricopa County · Forgivable loan

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