Arizona • First-Time Homeowner programs
First-Time Homeowner grants in Arizona
Browse first-time homeowner grants available in Arizona, including statewide and local programs.
5 active programs in Arizona
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The Industrial Development Authority of the County of PimaAZFirst-Time HomeownerCounty and city industrial development authority sponsored 30 year fixed rate first mortgages paired with down payment and closing cost assistance structured as second mortgage loans that may be forgivable over time or as grants for certain loan types such as VA, sized as a percentage of the first loan amount.
Updated: Dec 6, 2025
Pima Tucson Homebuyer’s Solution program offering a fixed-rate first mortgage paired with down payment and closing cost assistance for buyers in Pima County, including Tucson.
Eligible for: Homebuyers purchasing an owner-occupied primary residence in Pima County (including the City of Tucson) who qualify for an eligible FHA, VA,…
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…
City of Tucson Housing and Community DevelopmentAZFirst-Time HomeownerLocally administered deferred payment down payment assistance loan funded with HOME and related resources that can cover up to 20 percent of the contract sales price, with no monthly payments and repayment generally due if the home is sold or no longer a primary residence during the affordability period.
Updated: Dec 6, 2025
Tucson and Pima County down payment assistance loan program offering up to 20% of the purchase price in support for income-eligible first-time buyers.
Eligible for: First-time homebuyers purchasing a primary residence in the City of Tucson or Pima County (excluding Tribal lands) with household income at …
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…
Arizona Industrial Development AuthorityAZFirst-Time HomeownerStatewide Arizona Industrial Development Authority program that combines a 30 year fixed rate first mortgage with down payment and closing cost assistance of up to 4 percent of the first mortgage amount, delivered through a network of participating lenders with options for forgivable or non forgivable assistance structures.
Updated: Dec 6, 2025
Statewide Home Plus down payment assistance program providing up to 4% of the loan amount toward down payment and closing costs for qualifying Arizona homebuyers.
Eligible for: Borrowers purchasing a primary residence anywhere in Arizona who meet program income limits (generally ≤$146,503 household income), qualify …