Arizona (rural) · DPA + rate discount

Arizona Is Home

4% DPA + below-market rate

4% DPA plus below-market rate. First-time buyers under 80% AMI in rural Arizona counties.

Arizona Industrial Development Authority's IsHome program provides DPA for buyers purchasing across the state. The program works through participating lenders and offers competitive assistance amounts paired with market-rate first mortgages.

Amount4% DPA + below-market rate

TypeDPA + rate discount

Available inArizona

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleSingle-family only

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 IDA HOME Plus Up to 5% — forgivable option available

Arizona · DPA program

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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