Down Payment Assistance in Arizona 2025

One of the biggest challenges for buyers is coming up with the down payment. Many people can comfortably handle monthly mortgage payments, but saving thousands upfront can feel like an impossible hurdle. That’s where Arizona’s down payment assistance programs come in.

As a local Realtor serving Metro Phoenix, Gilbert, Scottsdale, Mesa, Queen Creek, Chandler, and Paradise Valley, I’ve seen how these programs open the door to homeownership for buyers who thought they’d have to wait years. Let’s break down the options available in 2025.

Arizona Down Payment Assistance Programs

1. HOME+PLUS Program

• Offers up to 5% of the loan amount toward your down payment and closing costs.

• Works with FHA, VA, USDA, and conventional loans.

• Available statewide, not just for first-time buyers.

2. Arizona Industrial Development Authority (AZIDA)

• Provides down payment and closing cost assistance.

• Tailored for income-qualified buyers.

• Can be paired with certain loan products for added flexibility.

3. Local City & County Programs

• Cities like Phoenix, Mesa, and Tucson offer their own programs with specific income and occupancy guidelines.

• Ideal for buyers looking to purchase within those city limits.

4. Federal Loan Options That Help with Down Payments

• FHA Loans: As little as 3.5% down.

• VA Loans: No down payment for eligible veterans.

• USDA Loans: Zero down for qualifying rural areas (applies to some parts of Queen Creek and San Tan Valley).

Who Can Benefit from Assistance?

• Buyers with stable income but limited savings.

• First-time buyers (or those who haven’t owned in the past 3 years).

• Veterans, rural buyers, and qualifying repeat buyers.

FAQs About Down Payment Assistance in Arizona

Q: Do I have to pay back the assistance?
A: Some programs offer forgivable assistance after you live in the home for a set number of years. Others may require repayment if you sell too soon.

Q: Can I use down payment assistance with a conventional loan?
A: Yes, many programs are designed to work with both conventional and government-backed loans.

Q: Does down payment assistance affect interest rates?
A: In some cases, yes. Assistance programs may come with slightly higher rates, but they reduce upfront costs.

Q: Can I get both down payment and closing cost help?
A: Yes—many programs allow assistance to cover both.

Q: Do I need perfect credit to qualify?
A: No. Many programs accept credit scores starting around 640, though exact requirements vary.

Why This Matters

Down payment assistance can be the key to moving into a home now instead of waiting years to save. With the right guidance, you can take advantage of these opportunities and step into homeownership with confidence.

Ready to Explore Your Options in Arizona?

If you’re interested in down payment assistance in 2025, I can walk you through the programs that fit your situation—and connect you with lenders who know how to get them approved. Let’s make your Arizona homeownership goals a reality.

📞 480-980-4400
📧 [email protected]
🌐 www.denisehurd.com

Let’s find the program that gets you into your next home.