Arizona has one of the cleanest DPA systems in the country — the Home Plus program runs year-round with no funding depletion. Here are the primary programs available to Arizona homebuyers in 2026.
Statewide — No Funding Gaps
Home Plus AZ Program
Up to 5% of Loan Amount
Arizona's flagship statewide program and the only one with year-round availability — it does not deplete. Provides a 30-year fixed-rate mortgage (FHA, VA, USDA, Fannie Mae, or Freddie Mac) paired with up to 5% in down payment and closing cost assistance as a forgiven second mortgage (fully forgiven after 5 years). Available in all 15 counties, every city, every zip code.
Key Requirements640+ credit score · Income up to $146,503 · Not required to be first-time buyer · Must use Home Plus approved lender · Homebuyer education course required
Maricopa County — Phoenix Area
Home in Five Advantage
Up to 6% of Loan Amount
Available exclusively in Maricopa County (Phoenix, Scottsdale, Mesa, Tempe, Chandler, Gilbert, Glendale). Provides up to 5% in DPA for most buyers, with an additional 1% available for teachers, first responders, military/veterans, or buyers earning under $49,500. The Home in Five Platinum offers up to 4% as a 0% interest forgivable second mortgage.
Key RequirementsIncome and purchase price limits · First-time buyer preferred · Heroes category: additional 1% available · Maricopa County property only · Approved lender required
Pima County — Tucson Area
Pima Tucson Homebuyer's Solution
Up to 4% — Forgiven in 5 Years
Available in Pima County (Tucson and surrounding area). Provides 0–4% in down payment assistance as a silent second mortgage with no interest and no payments, forgiven monthly over the first 5 years of ownership. Works with FHA, VA, USDA, Fannie Mae HFA Preferred, and Freddie Mac Advantage loans. No first-time buyer requirement.
Key RequirementsIncome up to $146,503 · Pima County property only · Not required to be first-time buyer · Approved lender required · Primary residence only
Rural Arizona
Arizona Is Home Program
4% DPA — Below Market Rate
A first-time homebuyer program providing a below-market 30-year fixed-rate mortgage combined with 4% down payment assistance. Available in all Arizona counties except Maricopa and Pima (those have their own programs). Income must be at or below 80% of AMI. Has annual funding limits — may pause when exhausted.
Key RequirementsIncome at or below 80% AMI · First-time buyer required · Available in 13 counties (not Maricopa or Pima) · Approved lender required · Annual funding limit applies
Zero Down
USDA & VA Zero Down
0% Down Payment
USDA Rural Development covers eligible properties in rural Arizona — many areas outside Phoenix, Tucson, and Flagstaff qualify. VA loans offer zero down for eligible veterans statewide with no mortgage insurance. Both can be paired with Home Plus for additional closing cost assistance.
Key Requirements620+ credit score · USDA: eligible rural area · VA: military service eligibility · Income limits apply · Primary residence only
Conventional
Low Down Payment Conventional
As Low As 3% Down
Fannie Mae HFA Preferred and Freddie Mac HFA Advantage loans can be paired with the Home Plus program for reduced mortgage insurance costs. Travis is a Fannie Mae approved seller — a direct advantage when pairing conventional loans with Arizona assistance programs.
Key Requirements640+ credit score · Income limits apply · First-time buyer not always required · Reduced PMI when paired with Home Plus · Primary residence only
Not sure which programs apply to you? That's exactly what a free 15-minute call is for.
Check My Eligibility — Free
