Homeownership Opportunities – Open Doors Down Payment Assistance Program | Arizona grant

Homeownership Opportunities – Open Doors Down Payment Assistance Program

Open

City of Phoenix Housing DepartmentAZFirst-Time Homeowner

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.City 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.RollingDeadline: Scope: Localstate

Updated: Dec 6, 2025

Summary

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.

Benefits

down payment assistanceclosing cost assistancedeferred loanaffordable homeownershiphomebuyer education

Who Can Apply

homebuyerfirst-time homebuyerlow-income homebuyerPhoenix resident

Eligible Locations

First time homebuyers earning at or below 80 percent of area median income who purchase an owner occupied home within Phoenix city limits under the program purchase price cap, complete an 8 hour pre purchase education course and one on one counseling with a HUD approved agency and qualify for an acceptable first mortgage.

Eligibility

First-time homebuyers purchasing an owner-occupied home within Phoenix city limits, earning at or below 80% Area Median Income (AMI), who complete an 8-hour pre-purchase education course and one-on-one housing counseling with a HUD-approved agency, and qualify for an approved first mortgage.

Full Description

The City of Phoenix Housing Department’s Homeownership Opportunities page highlights the Open Doors Down Payment Assistance Program, which is designed to make buying a home in Phoenix more attainable for moderate-income families. The program offers a deferred-payment second loan that can cover up to 10% of the home purchase price for down payment and closing costs. Eligible buyers must earn at or below 80% of Area Median Income, purchase a home within Phoenix city limits, and keep the purchase price under the city’s established cap (around the mid-$400,000s, subject to change). Assistance carries 0% interest with no monthly payments and is repayable or forgivable depending on how long the buyer remains in the home, with the affordability period extending up to 15 years. Borrowers must complete a HUD-approved 8-hour homebuyer education course and individual housing counseling and must qualify for an acceptable first mortgage. Open Doors can be layered with other homeownership resources (except certain city programs) and is a key tool in Phoenix’s strategy to expand affordable homeownership.

Verification & Details

Status: Open

Source: phoenix.gov

Official source → phoenix.gov

Apply on official siteUpdated Dec 6, 2025

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