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Down payment assistance in Arizona
Worried the down payment is out of reach? You may have more help available than you think. We’ll check the Arizona assistance programs you could qualify for — at no cost.
Help with your down payment & closing costs
You may not need as much up front as you think
One of the biggest myths in home buying is that you need a huge down payment. Between low-down loan programs and down payment assistance, many Arizona buyers get into a home with far less out of pocket than they expected.
Down payment assistance in Arizona generally comes through state and agency programs, often as a grant or a second loan that helps cover your down payment and, in some cases, closing costs. Programs have their own rules around income, location, price, and credit — and funding can open and close — so the key is working with someone who tracks what’s currently available and can match you to it.
This may help if…
- You can comfortably handle a monthly payment but are short on up-front cash
- Your income is within a program’s limits for your area
- You’re buying a primary home in Arizona
- You want someone to check current programs for you
How it works
Getting help in three steps
1 · Tell us your situation
Share your goals, income, and where you want to buy — it takes minutes.
2 · We check programs
We identify current Arizona assistance you may qualify for and how it changes your numbers.
3 · Buy with less up front
We combine the right loan and assistance so you can get into your home sooner.
Good questions
Down payment assistance FAQ
Is down payment assistance really available in Arizona?
Yes. Arizona offers several down payment assistance avenues through state and agency programs, typically structured as a grant or a second loan that helps cover your down payment and sometimes closing costs. Availability, funding, and terms change, so we’ll check what’s currently open for your situation.
Who qualifies for down payment assistance?
Eligibility usually depends on factors like your income, the home’s location and price, your credit, and whether you’ll live in the home. Many programs are aimed at low-to-moderate-income buyers, and some are open to repeat buyers, not just first-timers. We’ll confirm your eligibility.
Do I have to be a first-time homebuyer?
Not always. While some assistance is geared toward first-time buyers, several Arizona programs are available to repeat buyers too. We’ll match you to the ones you may qualify for.
Does down payment assistance have to be repaid?
It depends on the program. Some assistance is forgivable over time if you stay in the home; others are a second loan repaid over time or when you sell or refinance. We’ll explain the exact terms of any program before you choose it.
How do I find out what I qualify for?
Start our quick survey or call us. We’ll review your income, goals, and the area you’re buying in, then identify current assistance programs you may be eligible for and how they affect your monthly payment.
Let’s see what help you qualify for
A few quick questions is all it takes to find out which Arizona assistance programs and loan options fit you.
Get Pre-Qualified