17 · Ask Andrew · Buying
Are there down payment assistance programs in Arizona?
A straight answer on Arizona's down payment and closing cost assistance programs, the forms they take, and how to verify current terms with the official sources.
The short answer
Yes. Arizona has down payment and closing cost assistance programs, and the two state-run programs are Home Plus and Arizona Is Home, both administered by the Arizona Industrial Development Authority with the Arizona Department of Housing. Eligibility and amounts change, so current terms must be verified with the official agencies.
The state-run programs
The two state-run programs are Home Plus and Arizona Is Home, both administered by the Arizona Industrial Development Authority in collaboration with the Arizona Department of Housing. Home Plus offers down payment and closing cost assistance paired with a mortgage, and Arizona Is Home combines a below-market fixed-rate mortgage with down payment assistance. The specific structure, repayment, and forgiveness terms change, so the current program details are the source of truth.
The forms assistance takes
Assistance comes in several forms, including down payment help, closing cost help, low down payment loans, state and local housing programs, and employer, nonprofit, and community programs. Some are structured as grants, others as loans that may be forgiven after a set period of occupancy, so the structure matters as much as the amount.
Why the numbers change
There is no single eligibility rule, and figures are not published here because they change with every funding cycle. The reliable path is to verify current terms with the official program sources, a HUD-approved housing counselor, and a participating lender before relying on any number.
Related questions
- What are the steps to buying a home in Arizona?
- Can I buy an Arizona home from out of state?
- Do I need a realtor for new construction?
Next step
Verify current program terms with the official sources.
Walk through how assistance programs fit your buying plan, what to verify, and who to ask, with no invented numbers and no obligation.
- Phone
- 623-400-5957
- andrew@clearlysold.com