City of Phoenix Housing Department
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City of Phoenix Housing DepartmentAZFirst-Time HomeownerCity of Phoenix deferred payment second mortgage that provides up to 10 percent of the purchase price for down payment and closing costs on an owner occupied home, at zero percent interest with no monthly payments and forgiveness or repayment tied to a long term affordability and occupancy period.
Updated: Dec 6, 2025
City of Phoenix Open Doors Down Payment Assistance Program providing up to 10% of the purchase price for income-eligible first-time buyers purchasing in Phoenix.
Eligible for: First-time homebuyers purchasing an owner-occupied home within Phoenix city limits, earning at or below 80% Area Median Income (AMI), who co…
Funding: Offers a zero percent interest deferred assistance loan equal to as much as 10 percent of the home purchase price for down payment and closing costs on qualifying Phoenix properties, subject to a maximum purchase price threshold and an affordability period that can extend up to 15 years.Deadline: Rolling; available while city funds remain.RollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerPhoenix residentdown payment assistanceclosing cost assistancedeferred loanaffordable homeownershiphomebuyer education