Statewide

Arizona is Home is a down payment assistance program for first time home buyers in the State of Arizona. A First-time buyer is defined as someone who has not owned real estate in the last 3 years. The funds can be used for down payment, interest rate buydown, and closing costs related to the purchase of a home. Eligible homebuyers who are at 80% or below Area Median Income (AMI) are eligible to receive up to $30,000 and homebuyers who are between 81% to 120% of AMI are eligible to receive up to $20,000. Assistance is being offered as a silent second mortgage that is due on sale. Homebuyers must attend an 8-hour homebuyer education class and meet one-on-one with a HUD-certified Home Ownership Advisor.

CPLC: https://cplc.org/housing/counseling.php

Trellis: https://trellisaz.org/arizona-is-home

Rural

The Arizona Is Home Mortgage Assistance Program is a first-time homebuyer program that provides below-market 30-year fixed interest rates combined with 4% down payment assistance/closing cost assistance. The Program is available in the following Arizona Counties: Apache, Cochise, Coconino, Gila, Graham, Greenlee, La Paz, Mohave, Navajo, Pinal, Santa Cruz, Yavapai, and Yuma. Eligible homebuyers must have annual incomes at or below 80% of the Area Median Income (AMI). The Arizona IDA offers the Arizona Is Home Program in all Arizona Counties except for Pima and Maricopa.

AzIDA: https://homeplusaz.com/arizona-is-home-down-payment-assistance-program/