Arizona Is Home Mortgage Assistance Program

Open

Arizona Department of HousingAZFirst-Time Homeowner

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.State 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.RollingDeadline: Scope: Statewidestate

Updated: Dec 6, 2025

Summary

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.

Benefits

down payment assistanceclosing cost assistanceinterest rate reductionaffordable mortgage

Who Can Apply

homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerArizona resident

Eligible Locations

First time low to middle income homebuyers purchasing a primary residence anywhere in Arizona who meet HUD first time buyer definitions, have household income generally at or below 120 percent of area median income, satisfy standard first mortgage underwriting requirements, work with participating lenders and complete required homebuyer counseling and education.

Eligibility

First-time, low- to middle-income homebuyers across Arizona who meet HUD first-time buyer definitions, income limits (generally up to 120% of Area Median Income), and standard mortgage underwriting requirements. Must work with participating lenders and complete required homebuyer counseling/education.

Full Description

The Arizona Is Home Mortgage Assistance Program is a statewide initiative led by the Arizona Department of Housing to expand homeownership opportunities for first-time buyers. The program pairs a 30-year fixed-rate mortgage with substantial down payment and closing cost assistance, targeted to low-, moderate-, and middle-income households. Eligible first-time buyers at or below 80% of Area Median Income (AMI) can receive up to $30,000 in assistance, while those between 81–120% AMI may qualify for up to $20,000. Assistance may also be combined with interest-rate buydowns to make monthly payments more affordable, and can be layered with other compatible mortgage assistance programs. Homebuyers must meet income and first-time buyer requirements, work with participating lenders and HUD-approved counseling organizations, and use the home as a primary residence. The program is funded with a mix of State Housing Trust dollars and federal American Rescue Plan resources, with assistance available until allocated funds are exhausted.

Verification & Details

Status: Open

Source: housing.az.gov

Official source → housing.az.gov

Apply on official siteUpdated Dec 6, 2025

Recommended Resource

First-Time Homebuyer Starter Pack (2025 Edition)

A complete first-time homebuyer toolkit: 9 checklists, timelines, grant guidance, worksheets + editable Excel/Google Sheet budget & affordability calculator.

first-time homebuyerhomebuyer starter packhome buying checklistbudget templategoogle sheet budgetdown payment assistancehomeownership toolkitdigital downloadPDF workbookaffordability calculator

View digital guide Buy now

More statewide programs

Explore additional grants available throughout Arizona that complement this opportunity.

Pima Tucson Homebuyer’s Solution (PTHS) and PTHS Advantage

Open

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,…

Funding: Typically offers down payment and closing cost assistance equal to roughly 3 to 5 percent of the first mortgage amount, delivered as a second mortgage that may be forgiven over a defined term or as a grant depending on the specific PTHS product and underlying loan type.Deadline: Rolling; assistance available while program funds and daily rate sheets remain active.RollingCountyhomebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyerPima County residentdown payment assistanceclosing cost assistanceforgivable loangrantaffordable mortgage

View details →

Down Payment Assistance Program

Open

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 …

Funding: Provides a deferred payment assistance loan of up to 20 percent of the contract sales price that can be applied to down payment and allowable closing costs on eligible homes in Tucson and Pima County, subject to purchase price limits and affordability review.Deadline: Rolling; available while local HOME/related funds remain.RollingRegionalhomebuyerfirst-time homebuyerlow-income homebuyerTucson residentPima County residentdown payment assistanceclosing cost assistancedeferred loanaffordable homeownershiphomebuyer education

View details →

Homeownership Opportunities – Open Doors Down Payment Assistance Program

Open

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

View details →

Home Plus Homebuyer Down Payment Assistance Program

Open

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 …

Funding: Provides down payment and closing cost assistance equal to as much as 4 percent of the first mortgage amount, which can be applied to the borrower down payment, closing fees or a combination of both, and is available in every Arizona county through participating Home Plus lenders.Deadline: Rolling; funding available year-round.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyerArizona residentdown payment assistanceclosing cost assistancesecond mortgageforgivable assistanceaffordable mortgage

View details →