Arizona Department of Housing

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Arizona Is Home Mortgage Assistance Program

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Arizona Department of HousingAZFirst-Time HomeownerState administered 30 year fixed rate first mortgage paired with substantial down payment and closing cost assistance funded with State Housing Trust and federal American Rescue Plan resources, with higher assistance amounts for buyers at or below 80 percent of area median income and additional support for households up to 120 percent AMI.

Updated: Dec 6, 2025

Statewide Arizona Is Home mortgage assistance initiative offering enhanced down payment help and interest-rate relief so first-time, low- to middle-income buyers can afford a primary residence in Arizona.

Eligible for: First-time, low- to middle-income homebuyers across Arizona who meet HUD first-time buyer definitions, income limits (generally up to 120% o…

Funding: Provides up to 30000 dollars in down payment and closing cost help for eligible first time buyers at or below 80 percent of area median income and up to 20000 dollars for households between 81 and 120 percent AMI, with assistance that can also be used for interest rate buydowns while allocated funds remain available.Deadline: Rolling; subject to statewide funding availability.RollingStatewidehomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerArizona residentdown payment assistanceclosing cost assistanceinterest rate reductionaffordable mortgage

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